This document summarizes financing data from the Citizens Economic Empowerment Commission of Zambia. It provides statistics on financing approvals and disbursements by category, economic sector, and province. It also describes several financing products targeting specific groups, including markets, youth, persons with disabilities, and people living with HIV/AIDS.

1. SHAPING TOMMORROW’S WORLD
THROUGH CITIZENS ECONOMIC
EMPOWERMENT

2. Project Finance
Approved and Disbursed By category nationally Since inception
Category # Approved Amt approved # Disbursed Amt Disbursed
Disabled 8 1,880,496,610.00 5 1,005,496,610.00
HIV/AIDS 9 255,000,000.00 8245,000,000.00
Others 534 157,155,509,906.02 391112,621,357,527.03
Women 219 33,886,928,453.00 18026,948,774,937.16
Youth 139 13,392,605,152.00 1039,694,897,027.00
Total 909 206,570,540,121.02 687150,515,526,101.19

3. Proportion Disbursed by category
1% 0%
75%
18%
6%
Amount Disbursed
Disabled
HIV/AIDS
Others
Women
Youth

4. Total disbursed by economic sectorApproved and Disbursed By Economic sector nationally Since inception
Economic Sector # Approved Amt approved # Disbursed Amt Disbursed
Agriculture 213.00 42,359,863,569.51 154 30,645,478,922.72
Arts & Culture 3 110,000,000.00 2 65,000,000.00
Construction 17 11,721,500,000.00 16 8,444,452,167.50
Education 29 16,043,925,000.00 22 12,125,225,817.00
Energy 8 9,060,724,050.00 8 5,330,654,463.58
Engineering 6 1,813,316,745.00 4 1,727,675,979.00
Forestry 9 590,000,000.00 7 385,000,000.00
Health 4 810,000,000.00 2 260,000,000.00
ICT 15 2,310,434,878.00 8 1,999,622,753.00
Manufacturing 132 27,043,279,045.51 101 20,877,798,771.21
Mining 4 1,671,000,000.00 4 1,692,681,264.20
services 88 12,705,250,000.00 73 11,203,934,074.16
Tourism 94 40,431,274,713.00 69 28,923,899,912.00
Trading 251 22,586,117,720.00 192 14,766,773,394.02
Transport 36 17,313,854,400.00 25 12,067,328,582.80
Total 909 206,570,540,121.02 687 150,515,526,101.19

5. Proportion disbursed by economic
sector
Agriculture
20%
Arts & culture
0%
Construction
6%
Education
8%
Energy
4%
Engineering
1%
Forestry
0%Health
0%
ICT
1%
Manufacturing
14%
Mining
1%
Services
8%
Tourism
19%
Trading
10%
Transport
8%
Amount disbursed

6. Total disbursed by province
Province # Approved Amt approved # Disbursed Amt Disbursed
Central 81 18,637,889,932 7416,265,431,999
Copperbelt 124 32,952,250,465.51 10720,689,285,751.47
Eastern 94 11,366,379,766.00 667,228,499,970.30
Luapula 61 7,844,060,000.00 452,927,482,882.50
Lusaka 200 85,040,170,425.06 14668,736,885,149.37
Northern 76 10,726,666,745.00 648,530,578,145.00
Northwestern 59 12,475,803,667.00 529,652,655,628.10
Southern 129 13,249,452,680.00 618,617,080,404.00
Western 85 14,277,866,440.00 727,867,626,171.00
Total 909 206,570,540,121.02 687150,515,526,101.19

7. Proportion disbursed by Province
Central
11%
Copperbelt
14%
Eastern
5%
Luapula
2%
Lusaka
46%
Northern
5%
Northwestern
6%
Southern
6%
Western
5%
Disbursed

8. Chilimba Market Product
• The CEEC has continued to increase its
outreach to targeted citizens in markets
through a deliberate product that is specific
to the requirements of marketers around the
country. This product requires no collateral
and operates on the principle of the informal
credit system called ‘Chilimba’. This is a
model whereby borrowers are subjected to
peer pressure to perform and repay their
credit so that others may in turn borrow. The
maximum amount tenable by each group is
K100, 000,000 and the repayment period is
six to 12 months. These loans have been
managed on behalf of the CEEC by the
various branches of the Zambia Marketers
Association (ZANAMA) and other
organizations such as women’s groups.

9. Youth Empowerment Product
• The CEEC in collaboration with its partners SNV of
the Netherlands, the International Labour
Organisation (ILO) and the Private Sector
Development Programme II under the Ministry of
Commerce Trade and Industry (MCTI) developed
the Youth Empowerment Programme as part of the
solution to the challenges that youths have in
preparing business plans more so in the provinces
such as Western, Luapula, Northern and North
Western. The product offered selected youths an
opportunity to develop business plans in a
controlled learning environment tutored by
consultants based on the ILO developed materials
on business planning.
• The programme identifies youths with unique ideas
in the various districts of a province and brings
them into a central learning point where they as a
group. The youths are released after five day
training programme and requested to develop
business plans based on their own ideas and the
opportunities available in their local district. This is
followed up by a business clinic that helps the
youths fine tune their application. CEEC has since
funded 8 of 15 deserving applications from youths
who were chosen from an initial group of 50
participants from the Western province group.

10. High School Graduate Empowerment
Product

11. Empowerment of Persons with
disabilities
• In response to the need to have inclusiveness
in delivery of empowerment funds to
citizens, the CEEC working with the Zambian
Agency For Disability Organizations (ZAFOD)
developed a purpose built vehicle for
providing for access to people living with
disabilities targeting six hundred and four
(604) targeted citizens. at live with
disabilities. This portfolio is valued at
K3, 180,000,000 with CEEC has contributed
K1, 500,000,000 in 2010/2011 whilst ZAFOD
through their Irish partner GORTA is
providing 1,680,000,000. CEEC has since
provided its input to the project.
• Depending on ZAFOD’s performance in
2011, CEEC has undertaken to increase its
contribution in 2012 significantly. This facility
is available to beneficiaries in selected
districts of North
Western, Western, Southern and Lusaka. This
product is managed by ZAFOD and results of
its performance will be available in the next
reporting period.

12. Empowering People Living With
HIV/AIDS
• The CEEC has funded
projects promoted by
people Living With
HIV/AIDS
• An example is the
FALIPO poultry project
in Solwezi