Expanded Church Response

From a Ramshackle to a Modern House

Beatrice Nayame was born in 1982 in Mufulira district on the Copperbelt Province. She lives at Mokambo border that demarcates Zambia and the DR Congo. Until 2011, she was married with 5 children but her husband deserted her. This eventuality led to reduced household income, and sent Beatrice and her children into deprivation. She had to find ways of survival. She began to sell milk and fried cassava at the border area but what she was realizing from this was not enough to address her household needs. In September 2015, she was linked to a savings group by a field agent who was providing economic strengthening services supported by the USAID and PEPFAR funded Zambia Family (ZAMFAM) Copperbelt-Lusaka project implemented by Expanded Church Response to HIV/AIDS Trust (ECR) through Liberty House Community Outreach Mission – a sub-grantee of ECR. “Prosperity” is the name Beatrice and her fellow group members named their savings group.


“Thank you to ZAMFAM for changing my life.”

Beatrice Nayame – Economic Strengthening Beneficiary


She continued selling fried cassava and milk while consistently saving her earnings. Her initial loan was K5000, which she used to buy a residential plot from the local municipal council. She managed to repay the loan within the agreed pay back period. She later borrowed another K15000, of which K8000 was used to buy blocks and iron sheets for a house she was to construct. The balance of K7000 was invested in a grocery shop. While all this was happening, Beatrice and her children continued to live in a very dilapidated and inhabitable house.

Beatrice began constructing her new house while continuing with her groceries business. By January 2017, she completed constructing her house at the cost of K25000, and moved there with her children.

Bubbling with so much joy and confidence, Beatrice thanked ZAMFAM C-L for introducing the savings group concept in her area and for giving her and her children an opportunity to have a dignified life! When she is free, she takes part in encouraging other vulnerable women to join savings groups.

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Expanded Church Response
House No. 3 Lagos Rd
Rhodes Park
P.O. Box 34691
Lusaka, Zambia
Telephone: +260 211 233 040
Mobile Phone: +260 977 771 076
Email: info@ecrtrust.org