Total outstanding principal, including a new loan, must remain within twice your verified savings.
Membership
Join a financial community built on commitment.
Membership is for people who value disciplined saving, responsible borrowing, transparency and the opportunity to grow alongside others.
Who membership is for
Commitment matters more than numbers.
Vision Finance Group grows carefully. New membership is considered when the group is open to expansion and applicants demonstrate alignment with the group’s values and responsibilities.
- Adults aged at least 18 who accept the Group’s Constitution
- Individuals willing and able to save at least MWK 30,000 each month
- People with a reputation for trustworthiness and accountability
- Applicants who accept the group constitution and operating rules
- Admission subject to consensus of voting members participating in a quorate meeting
- One-time non-refundable joining fee of MWK 15,000 after approval and before admission is finalised
- Functioning smartphone required for communication and virtual participation
What members should understand
The financial model is transparent by design.
Current member loans carry a constitutional 15% interest rate, with the approved calculation basis documented in the Lending Policy and written loan agreement, plus a separate MWK 20,000 processing fee. Interest is allocated 30% to the borrower, 20% to the VFG Group-owned fund and 50% equally among the other members.
Applied under the approved lending rules.
Paid through the official Group banking channel and credited to the VFG Group-owned fund for each ordinary member loan processed.
Before your first loan
New members build participation history first.
A newly admitted member completes three full months of membership before becoming eligible to access a loan. Paying savings in advance does not shorten this waiting period. Loan approval afterward still depends on savings, standing, repayment capacity and available funds.
Member value
More than access to a loan.
Build savings
Grow an individual balance through a long-term savings model.
Access capital
Apply for eligible member loans under approved policies.
Learn together
Benefit from peer experience and practical financial resources.
Shape the future
Participate in collective decisions and potential group ventures.
Your responsibilities
Strong groups depend on reliable members.
Members are expected to follow the current Constitution & Operating Rules, Loan Policy, Welfare Guidelines and formally adopted meeting resolutions.
Save on time
Make required contributions consistently.
Borrow responsibly
Take on obligations you can meet and repay as agreed.
Participate
Engage in meetings, decisions and agreed group activities.
Protect trust
Follow the constitution, policies and ethical standards.
Application process
Interested in joining?
Use the application form to register your interest. Submission does not guarantee admission; applications are considered under the group’s current membership process and available capacity.
1
Review the rules. Read the constitution and membership expectations.
2
Complete the form. Download the application, including emergency-contact and introducing-member details.
3
Download application formSubmit your interest. Contact the Secretary through the official VFG number for the approved submission route. Do not send identity documents through the general enquiry form.
Not looking for membership?
Discuss a partnershipWe also welcome aligned partners.
Training providers, financial inclusion organisations, businesses and other partners can contact us to explore appropriate collaboration.