The borrower
The borrower’s loan-interest benefit is normally payable or creditable after that loan is fully settled, unless validly agreed otherwise.
Member-led financial growth since 2017
Build capital.
Build capital.
Use it wisely.
Grow together.
Vision Finance Group is a disciplined member-led platform for continuous saving, responsible borrowing and shared wealth creation. Eligible members may apply for loans within twice their verified savings, while interest received from approved loans creates benefits for the borrower, other members and the VFG Group-owned fund.
Established 2017Transparent governanceLong-term capital mindset
Vision Finance GroupBuilt to keep capital productive
Since 201701Save
→02Borrow
→03Repay
→04Reuse
A simple member-led cycle: members build savings, approved loans put capital to work, principal returns to the lending pool, and interest creates member and VFG benefits.
The foundation
Simple principles. Serious discipline.
The strength of the model is not complexity; it is consistency, accountability and a shared commitment to keeping capital productive.
2017Vision Finance Group established
15%constitutional member-loan interest rate
30 / 20 / 50borrower / VFG Group-owned fund / other members
How the money moves
Capital in motion.
Member savings fund approved loans. Repayments put the principal back into the lending pool; interest received is shared separately.
- 01
Members save
MWK 30,000+Each month, each member adds to their own recorded savings. Together, those savings form the lending pool.
Savings remain attributable to each member. - 02
Members borrow
Up to 2× savingsEligible members apply for a loan for business capital or other lawful needs, subject to approval and available funds.
The ceiling includes existing outstanding principal. - 03
Members repay
Principal + interestRepayment follows the written agreement. Principal is the amount originally lent; it is not income or a shared benefit.
Principal and interest are recorded separately. - 04
Capital is reused
Lend againRepaid principal returns to the pool and can support the next approved member loan.
An ongoing fund, not a routine savings share-out.
The cycle continues. Save → borrow → repay → replenish → lend again.
Separate from principal
100%of interest receivedWhere does the interest go?
Only interest actually received is allocated.
VFG Group-owned fund
Builds separate Group-owned capital for future approved investments and other authorised Group purposes.
All other eligible members
Shared equally among the other eligible individual members. The borrower and the Group-owned fund are excluded from this pool.
15% loan rateThe calculation method and rate period must be approved and recorded in the Lending Policy and loan agreement.
MWK 20,000 processing feePaid through the Group bank account and credited separately to the Group-owned fund—not included in the interest split.
2 calendar months’ graceFrom actual receipt of funds, followed by the applicable repayment period. Monthly savings remain due.
Why Vision Finance
A practical platform for shared financial progress.
We combine the discipline of regular saving with member accountability, access to credit, peer support and a long-term investment mindset.
Continuous saving
Member balances are designed to grow over time rather than reset through routine annual share-outs.
Responsible lending
Loans are governed by agreed eligibility, affordability, repayment and accountability rules.
Peer learning
Members share practical business and financial experience, helping turn capital into better decisions.
Collective opportunity
The group is building toward investments and enterprises that can create value beyond individual saving.
VISIONFinancial growth grounded in trust.
From monthly contributions to future enterprise, every step is designed around discipline, transparency and shared responsibility.
Our story
Growing together since 2017.
Vision Finance Group was founded to address a simple challenge: many people have ambition, but capital and practical financial support can be difficult to access. By pooling resources within a trusted group, members create opportunities to save, borrow responsibly, learn and invest.
Our distinctive long-term approach is built around keeping capital productive and strengthening the group over time.
Read our story →What we do
Member financial support with a shared purpose.
Our current offer is designed around the everyday financial needs and ambitions of members.
01
Member loans
Structured access to capital for business or other lawful member needs, subject to savings, eligibility and approved lending rules.
Learn more02
Emergency welfare support
A separate support mechanism for qualifying urgent member needs, governed by welfare guidelines.
Learn more03
Financial learning
Practical learning, peer mentorship and tools that support stronger personal and business decisions.
Explore resourcesBuilt for durability
A model that rewards consistency over time.
Vision Finance Group is designed around long-term capital formation. Members contribute regularly, records are reviewed, and decisions are made under agreed governance processes.
See how we are governedMonthlysaving discipline
Member-leddecision-making
Documentedpolicies and records
The people behind Vision
Built by members, for members.
Vision Finance works because members contribute more than money: they contribute discipline, accountability, experience and collective judgement.
Meet the leadership →Insights & learning
View all insights →Ideas for stronger financial decisions.
Building the next chapter of Vision Finance Group
Our focus is shifting from a strong savings foundation toward more structured learning, investment and collective enterprise.
Explore our directionWhy long-term trust depends on clear rules
Good financial groups are built not only on capital, but also on transparent records, agreed procedures and accountability.
Read insightPractical financial tools for members
Access simple resources on budgeting, responsible borrowing, business planning and group procedures.
Browse resourcesBuild with purpose
Stronger finances begin with disciplined action.
Explore membership, partnership or learning opportunities with Vision Finance Group.