Vision Finance Group Constitution
Purpose, membership, saving, lending, governance, enforcement, institutional capital and current operating resolutions.
Resource centre
VFG documents, forms and member guides.
Read the Constitution, understand the operating framework and use the forms through the Group’s agreed procedures.
Constitution takes precedence
Where a policy, form, guide or website summary differs from the adopted Constitution, the Constitution governs unless applicable law requires otherwise.
Where a policy, form, guide or website summary differs from the adopted Constitution, the Constitution governs unless applicable law requires otherwise.
Governance & policies
Know the rules before you transact.
These reference copies support member understanding and administration. The Secretary maintains the authenticated governing record and can confirm adoption, effective dates and any approved amendments.
Loan Policy
Maximum borrowing, 15% interest, MWK 20,000 processing fee, 30/20/50 interest allocation, approvals and records.
Welfare Fund Guidelines
Welfare principles, the 10% rate for approved repayable welfare loans and the payment channel. Support limits and repayment terms require the approved Welfare Policy.
Member Payment Guide
FDH payment instructions (including the legacy bank-held account name), VFG Group-owned fund allocations, welfare channel and payment-record procedures.
Member forms
Forms for the agreed member process.
Complete forms accurately and submit them through the agreed group process.
Membership Application
Application and declaration for prospective members.
Loan Application
Loan request, savings verification, 2× ceiling check, affordability review, fee and repayment schedule.
Membership Exit Request
Voluntary exit request and final financial reconciliation.
Learning
Practical tools for stronger decisions.
Simple resources designed for use alongside member discussion, peer learning and personal due diligence.
Financial Literacy Guide
Budgeting, saving, borrowing, loan-cost calculations, financial goals and personal record keeping.
Business Planning Tips
Cash flow, margins, working capital, risk, borrowing and monthly business review.
Build with purpose
Stronger finances begin with disciplined action.
Explore membership, partnership or learning opportunities with Vision Finance Group.