Leadership & facilitation
Guides meetings, supports orderly decisions and represents agreed group positions.
Governance
Trust is stronger when the rules are clear.
Vision Finance Group uses documented roles, collective decision-making and financial records to promote accountability and protect member interests.
Leadership
Defined roles. Shared responsibility.
The leadership structure supports day-to-day coordination while major decisions remain grounded in member participation and the group’s approved rules.
Continuity & support
Supports the chairperson and provides leadership continuity when required.
Records & administration
Maintains meeting records, notices and core administrative documentation.
Financial stewardship
Maintains financial records, reconciliations and reporting under agreed controls.
Financial support
Supports treasury functions and delegated financial processes.
Identity continuity
One Group, one history, one current name.
Vision Finance Group (VFG) was previously known as Vision Finance Corporate (VFC). Historical records may retain the former name and refer to the same Group, and the existing FDH bank account currently retains “Vision Finance Corporate” as its bank-held account name until any approved update is completed with FDH Bank.
Financial architecture
Three ledgers. Different purposes. Clear accountability.
Vision Finance separates member entitlements, institutional capital and emergency welfare so that funds are not mixed conceptually or in the records.
Personal capital
Tracks each member’s savings, loans, repayments and allocated interest benefits.
Institutional capital
Receives the MWK 20,000 loan processing fee, 20% of loan interest, joining fees, meeting absence fees and other approved Group-owned income for future investments. This is an internal accounting fund, not the name of the FDH bank account.
Emergency support
Separately tracked funds for qualifying emergencies, using the designated Airtel Money channel.
Current operating rules
Key rules strengthened in December 2025.
The group recommitted to enforcing its constitution and rebuilding operational discipline.
MWK 20,000
MWK 20,000 processing fee on every ordinary member loan, credited to the VFG Group-owned fund.
30 / 20 / 50
Loan-interest allocation: borrower / VFG Group-owned fund / other eligible members.
MWK 10,000
Meeting absence fee, credited to the VFG Group-owned fund.
3 months
Three consecutive unpaid savings months lead to expulsion after verification, notice, hearing and the constitutional appeal process. Verified advance payments must be checked first.
Digital participation
Members must have a functioning smartphone for communication and virtual participation. The Constitution provides notice and a compliance process if access is lost.
VFG as member entity
The VFG Group-owned fund may obtain approved internal financing at the ordinary member-loan rate. This does not make it an additional voting member.
Decision-making
Member voice is part of the control system.
Material issues such as new member admission, major policy changes, significant investments and other strategic matters should follow the approval process set out in the constitution and related policies.
- Decisions recorded in meeting minutes
- Conflicts of interest disclosed where relevant
- Financial commitments supported by documentation
- Member approvals obtained at the required level
Core accountability controls
1
Document contributions, loans, repayments and balances.
2
Reconcile records with banking and transaction evidence.
3
Review financial activity regularly with members.
4
Investigate discrepancies and document corrective action.
Member protection
Clear pathways when things do not go as planned.
Conflict resolution
Members may raise concerns with the Secretary or an unconflicted leader. The Constitution provides notice, an impartial hearing and appeal; good-faith reporting is protected.
Exit & reconciliation
Voluntary exit requires 30 days’ written notice. Savings, benefits and debts are reconciled under Article 11; leaving the Group does not itself forfeit savings.
Policy review
Rules should be periodically reviewed and amended only through the documented process to keep them relevant and enforceable.
Key document
Open Constitution & Operating RulesRead the Constitution & Operating Rules.
The Constitution sets the governing rules. A resolution changes those rules only through the required constitutional amendment procedure. Contact the Secretary to confirm the effective, authenticated version.
Build with purpose
Stronger finances begin with disciplined action.
Explore membership, partnership or learning opportunities with Vision Finance Group.