News stories by Lewis Mwanangombe

LUSAKA, Mar 03 (IPS) - David Mubita has long been known in the family as a fool for starting trouble. The latest was getting circumcised secretly and nearly cast out by Grandfather Ndumwa. But Mubita may turn out to be the wisest in the family.

Bupe Bana-Victor has lived in the Mwense district of Luapula Province in northern Zambia all her life. And for her, water talk is synonymous with the Luapula River, which lies just 20 metres from her village and snakes through the entire region before it joins the Lualaba River — a tributary of the mighty Congo, Africa’s second-largest river.

Eight years ago when Mary Sitali’s husband divorced her, by sending a traditional letter to her parents saying that he no longer wanted her and they could 'marry her to any man of your choice - be he a tall or a short man, the choice being entirely yours,' she returned to her village in rural Zambia with their two children and no way of supporting them.

Zhang Daliu, 46, a carpenter from China never imagined himself in the dreadful confines of a stinking and overcrowded Zambian jail where conditions are so terrible that they lead to gastronomic disorders and skin diseases within days of confinement.

Proponents of microfinance often portray it as the empowering extension of credit to vulnerable but diligently self-employed poor people - often women - who support each other to improve their livelihoods as well as repay their loans. The image is true, to some extent, but in many parts of Africa, microfinance institutions have somewhat sharper teeth.

According to the World Bank, less than eight percent of Zambian adults have bank accounts. For the millions who make their living in the informal economy, this prevents them from earning interest on any savings they have or securing credit needed to expand small businesses beyond mere survival.

According to the World Bank, less than eight percent of Zambian adults have bank accounts. For the millions who make their living in the informal economy, this prevents them from earning interest on any savings they have or securing credit needed to expand small businesses beyond mere survival.

Zambians head to the polls sometime before October and civil society groups are working hard to ensure their voices are heard. Groups which were excluded during the 2005 elections and the National Constitutional Conference that began in 2007 are mobilising to ensure they are not excluded.

Concina Haajila was only a year old in 1991 when Zambia turned from 27 years of autocracy and dictatorship to political pluralism and democratic governance. During the past 20 years she and millions of her peers have grown to adulthood and become disenchanted with the politics of their nation which have swung from an issue base to hero worship and personal purse enlargement.

Small-scale traders on either side of the Mwami Border Post between Zambia and Malawi are key to meeting local demands that larger importers do not.