Regional Human Capital Operations Manager – Human Capital x2 (Harare)

SAP Support Analyst (F1) – ICT: LEVEL 9 (Harare)

ABAP Developer: Level 9 (Harare)

Procurement Manager: D5 (Harare)

Financial Accountant (Harare)

Sales Consultant (Kadoma)

Cervical Cancer & Clinical Service Mentor Nurse

Laboratory Technician (Harare)

Spport Driver (Harare)

Food Security and Livelihoods Head of Department (Harare)

Accountant (Harare)

Accounting Assistants x3 (Harare)

Communications Intern (Harare)

Corporate Legal Counsel (Kamativi)

Company Secretary (Harare)

Marketing Manager (Harare)

Sales Manager (Harare)

Procurement Manager (D5)

Director Policy and Market Development (Harare)

Assistant Valuer Grade 7

Town Planner Grade 10

Till Operator x2 (Bindura)

Ambulance Technician (Bindura)

Business Development Manager

Intellectual Property Manager

Chief Research Officer (Bindura)

Teaching Assistant: Banking and Finance (Bindura)

Technical Assistant: Natural Resource Management (Bindura)

Administrator (Bindura)

Faculties Manager (Harare)

Staff Development Fellow: Department of Veterinary Pathobiology x4 (Harare)

Staff Development Fellow: Department of Construction & Civil Engineering (Harare)

Officer: Student Residential and Logistical Services (Harare)

Student Development Officers (Harare)

Information Manager (Harare)

Graphic Designer x2 (Harare)

Marketing Officer (Harare)

Technical/Copy Editor x2 (Harare)

Proofreader x2 (Harare)

Typesetter x2 (Harare)

Acquisitions Editors x2 (Harare)

General Hand (Harare)

Locum Pharmacists (Mutare & Ngezi)

Drivers x2 (Harare Campus)

Graphic Designer (Gweru)

Drivers (Harare Campus)

Artisan Supervisor – Fleet Maintenance (Gweru)

Transport and Logistics Officer - Tracking (Gweru)

SHEQ Intern/ Attaché (Bulawayo)

Nutrition Officer (Mutare)

Team Leader (Mutare)

Project Field Officer (Mutare)

Monitoring and Evaluation Officer (Mutare)

Assistant Accountant-Retail (Harare)

Trainee Risk Officer (Harare)

Sales Manager (Bulawayo)

<h2>A note from us here at Pindula: </h2>
We have availed a facility to enable government pensioners to buy itel smartphones on credit using WhatsApp.
The Pindula WhatsApp Bot allows Pensioners to do the whole application process within WhatsApp.
The bot can be accessed on this number: <a href="https://wa.me/263736121139">+263736121139</a>
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Or by tapping on this link <a href="https://wa.me/263736121139">https://wa.me/263736121139</a>
<h2>How to use the WhatsApp platform?</h2>
The bot can be activate by just saying “hello”
<img alt="Pindula WhatsApp Bot" class="alignnone wp-image-266274" decoding="async" height="632" loading="lazy" sizes="(max-width: 299px) 100vw, 299px" src="https://news.pindula.co.zw/wp-content/uploads/2023/11/Pindula-official-WhatsApp-credit-bot.jpg" srcset="https://news.pindula.co.zw/wp-content/uploads/2023/11/Pindula-official-WhatsApp-credit-bot.jpg 511w, https://news.pindula.co.zw/wp-content/uploads/2023/11/Pindula-official-WhatsApp-credit-bot-142x300.jpg 142w, https://news.pindula.co.zw/wp-content/uploads/2023/11/Pindula-official-WhatsApp-credit-bot-485x1024.jpg 485w" width="299"/>
It will then show the available mobile phones that can be bought on credit, including the installment option.
Once an instalment option has been selected,  you can proceed to make the application in a few easy steps.
When the application has been submitted, it takes up to 48 hours to process it and the phone is delivered soon after.
Delivery is done through out Zimbabwe.
 
We’d love to know your feedback about this service when you use it.
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Pindula News

How Government Pensioners Can Buy Itel Cellphones on Zero Deposit WhatsApp bot

Over the past several years, Zimbabweans have borrowed heavily. For various reasons, some of which are beyond the scope of this article.
The borrowing can be at properly registered Microfinance institutions (MFIs), or it can be at loan sharks (Chimbadzo).
Civil servants, for example, borrow from registered MFIs who then get their installments paid via the government’s Salary Service Bureau (SSB). Employed individuals who are not in civil service sometimes have their companies arrange for them to get loans from MFIs. Individuals who are not formally employed usually end up going to loan sharks.
This article aims to help those readers who are civil servants to manage their debt so that the quality of their lives does not decline because of such debt.
<h2>1. Paying in cash is better than borrowing in most cases</h2>
The cost of borrowing is the interest charged on that money. If you borrow $100 and you’re charged 10% interest per month, you’re essentially buying that $100 for an extra $10 a month that you will need to pay.
It is better therefore to always ask yourself if you cannot save the $100 and pay cash for it in the future instead. When you choose to save, then the cost of the $100 is the time it takes to get it.
Basically, therefore, it’s a time tradeoff.
<h2>2. If you can avoid it, don’t borrow to spend on things that don’t help you generate money</h2>
Sometimes you can’t avoid it, but as much as possible, only borrow to use on a project that generates money. This ensures that the profit from that project helps pay for the borrowed money and the interest.
This is better than getting a loan for something that doesn’t generate any money. Such things as food, birthday parties, new clothes when you already have decent ones, a new fancy phone when you already have a decent one etc…
<h2>3. Check closely what you’re spending your money on</h2>
When you start thinking about borrowing, it helps to check what you generally spend your money on each month. You might find that there are things that you’re spending on that you can maybe stop, and save that money.
For example, sometimes we spend more than we need to on things like rentals in a house that we can’t afford, sending children to a school that’s too expensive for us, spending too much on entertainment (alcohol, parties, needlessly traveling to relatives and friends).
It might help to move to a house or room with lower monthly rent. It might make sense to send your children to a cheaper school that’s nearer your home. Maybe the birthday party can be a smaller one. Instead of buying at Jet, try kumabhero where you can get almost new stuff at giveaway prices. Avoid impulse buying. Start creating a budget within what you earn and stick to it.
Sometimes we also spend too much on things because we’re not taking care of them. Observe how you take care of your things (clothes, car, phone, wheelbarrow, broom etc…) and try to take better care of these things so you don’t spend so much on repairs.
<h2>4. When you’re about to borrow, ask about the interest rate</h2>
When a microfinance company offers a loan or a company offers a product on credit, ask about their interest and compare to the rates offered by other Microfinance companies.
In Zimbabwe, Microfinance loans will range in interest from about 9% to sometimes even over 20% per month. While these rates might sound ridiculous, they are largely caused by the cost of money in the country and also the cost of transacting. Below 9% the cost of the business to a microfinance company can be unsustainable.
It’s always prudent to shop around and ask several providers, compare and get the loan that works out cheaper to get.
<h2>5. Avoid a longer term period for the loan</h2>
If you have the option to pay back a loan in 3, 6, or 12 months, try as much as possible to choose the fewest months you can manage. This just means less interest in the end.
You can even ask the bank or microfinance company if you can choose the number of months yourself. You can for example ask them if you can pay back in 4 or 5 months instead of the proposed 6 months.
<h2>6. Pay back the loan as early as possible</h2>
As a civil servant, sometimes you get money outside your salary. Use that money to pay off your debt earlier. All you need to do is to approach the bank or Microfinance company that extended the loan. This will reduce the interest quite significantly. 
If your loan is supposed to be paid back in 6 months – try to pay it all back in 4 months if you get the opportunity to do so.
<h2>7. Start creating your personal emergency fund</h2>
People usually borrow because they are in a crisis. In addition to saving for things we want to buy, you also need to save for emergencies. It’s hard to say how much such a fund should be because it differs from person to person, but a good rule of thumb is that you should have at least as much of your monthly salary stashed away as an emergency fund.
Do you have tips to share with others? please use the comments section below.

TIPS: Managing Credit And Money In Zimbabwe

Recently, Pindula in partnership with Bridgevest Capital introduced a credit facility for Civil Servants. 
This enables SSB Civil Servants to buy Itel smartphones phones, TVs, and Bluetooth speakers on credit.
Here are the mobile phones and terms available for credit:
<h2>Itel A14 Plus</h2>
Memory: 16GB Storage, 512MB RAM
Battery: 2500mAh
Connectivity: 3G
Screen size: 4.0 inches
3 months installments: $25
6 months installments: $16
12 months installments: $11
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-a14-plus-22">https://zero.pindula.co.zw/credit/confirmation/itel-a14-plus-22</a>
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<h2>Itel A33 Plus</h2>
Memory: 16GB Storage, 1GB RAM
Battery: 2500mAh
Connectivity: 3G
Screen size: 5.0 inches
3 months installments: $30
6 months installments: $19
12 months installments: $14
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-a33-plus-22">https://zero.pindula.co.zw/credit/confirmation/itel-a33-plus-22</a>
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<h2>Itel A25 Pro</h2>
Memory: 32GB Storage, 2GB RAM
Battery: 3020mAh
Connectivity: 4G
Screen size: 5.0
3 months installments: $32
6 months installments: $21
12 months installments: $15
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-a25-pro-22">https://zero.pindula.co.zw/credit/confirmation/itel-a25-pro-22</a>
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<h2>Itel KidPad 1 (tablet for very young kids)</h2>
Memory: 32GB Storage, 1GB RAM
Battery: 4000mAh
Connectivity: 3G
Screen size: 7 inches
3 months installments: $39
6 months installments: $25
12 months installments: $18
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-kidpad-1-22">https://zero.pindula.co.zw/credit/confirmation/itel-kidpad-1-22</a>
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<h2>Itel P17 Pro 4G</h2>
Memory: 32GB Storage, 2GB RAM
Battery: 4000mAh
Connectivity: 4G
Screen size: 5.5 inches
3 months installments: $41
6 months installments: $26
12 months installments: $19
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-p17-pro-4g">https://zero.pindula.co.zw/credit/confirmation/itel-p17-pro-4g</a>
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<h2>Itel A58 Pro</h2>
Memory: 32GB Storage, 2GB RAM
Battery: 4000mAh
Connectivity: 3G
Screen size: 6.6 inches
3 months installments: $44
6 months installments: $28
12 months installments: $20
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-a58-pro">https://zero.pindula.co.zw/credit/confirmation/itel-a58-pro</a>
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<h2>Itel PrimeTab tablet</h2>
Memory: 32GB Storage, 1GB RAM
Battery: 4000mAh
Connectivity: 3G
Screen size: 7 inches
3 months installments: $42
6 months installments: $27
12 months installments: $19
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-primetab-1-32gb-22">https://zero.pindula.co.zw/credit/confirmation/itel-primetab-1-32gb-22</a>
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<h2>Itel P38 </h2>
Memory: 32GB Storage, 2GB RAM
Battery: 5000mAh
Connectivity: 3G
Screen size: 6.6 inches
3 months installments: $45
6 months installments: $29
12 months installments: $21
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-p38">https://zero.pindula.co.zw/credit/confirmation/itel-p38</a>
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<h2>Itel P38 Pro</h2>
Memory: 64GB Storage, 1GB RAM
Battery: 6000mAh
Connectivity: 4G
Screen size: 6.6 inches
3 months installments: $55
6 months installments: $35
12 months installments: $25
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-p38-pro">https://zero.pindula.co.zw/credit/confirmation/itel-p38-pro</a>
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<h2>Itel S18</h2>
Memory: 64GB Storage, 2GB RAM
Battery: 5000mAh
Connectivity: 4G
Screen size: 6.6 inches
3 months installments: $44
6 months installments: $28
12 months installments: $20
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-s18">https://zero.pindula.co.zw/credit/confirmation/itel-s18</a>
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<h2>Itel S18 Pro</h2>
Memory: 64GB Storage, 4GB RAM
Battery: 5000mAh
Connectivity: 4G
Screen size: 6.6 inches
3 months installments: $55
6 months installments: $35
12 months installments: $25
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-s18-pro">https://zero.pindula.co.zw/credit/confirmation/itel-s18-pro</a>
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<h1>Itel S51 Bluetooth Speaker</h1>
Two Channel Stereo &amp; Atmosphere lamp, 
Stereo Surround Sound, 
Support party use, 
Support TF Card, 
Playback time: 5 Hours, 
Charging time: 3 hours, 
Standby time: 80 hours, 
Interface: Micro-USB
3 months installments: $16
6 months installments: $10
12 months installments: $8
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-s51-bluetooth-speaker-22">https://zero.pindula.co.zw/credit/confirmation/itel-s51-bluetooth-speaker-22</a>
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<h1>Itel 32 inch LED HD TV</h1>
High Definition Display (HD 1366 x 768), Built-in 20W Stereo Speaker, Enjoy Videos/MP3/Pictures through USB Flash, 
3 months installments: $64
6 months installments: $41
12 months installments: $29
Apply: <a href="https://zero.pindula.co.zw/credit/confirmation/itel-32-led-hd-tv-with-i-cast-22">https://zero.pindula.co.zw/credit/confirmation/itel-32-led-hd-tv-with-i-cast-22</a> 
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Itel Smartphones Available On Credit To Zimbabwe Civil Servants

Since Pindula started selling Itel, Teco, Infinix, and Samsung mobile phones, several people have inquired if these products are available on credit.
We are excited to announce that through our partnership with Bridgevest Capital, specific products are now available on credit, for all SSB civil servants in Zimbabwe.
Buying a mobile phone on credit has never been easier. To apply, just follow the 5 steps below:
 
1. Using the link below, visit Pindula market and access all the phones we sell: <a href="../../../../market/s/0772464000/">https://zero.pindula.co.zw/market/s/0772464000/</a>
2. All the phones that are labeled "Credit Available", can be bought on credit.
3. Click on the phone you want.
4. Click on "Buy on Credit"
5. You will then select how many months you want to pay for the phone and then proceed to fill in the online credit application.
6. If your application is successful, we will contact you to provide delivery details.
7. The product is then delivered to you or you collect it from designated centers.

Pindula Partners Bridgevest Capital To Offer Civil Servants Mobile Phones On Credit

The International Monetary Fund has announced that it’ll be giving Mozambique $118.2 million credit for reconstruction following the destruction from Cyclone Idai. The money is a zero-interest, 10-year loan.
More than 600 are estimated to have died in Mozambique and more than 1,000 in the 3 countries affected. The World Bank has said that  Mozambique, Zimbabwe and Malawi will need about $2 billion to rebuild.
Said Tao Zhang, deputy managing director of IMF:
<blockquote>Emergency assistance and reconstruction costs are estimated to be enormous, making this storm the worst and costliest natural disaster to ever strike the country.</blockquote>
The IMF lends between $60 million to $120 million in emergency situations under the Rapid Credit Facility (RCF). There was no mention of any credit going to Zimbabwe and Malawi.
<h3>Related:</h3>
<ul>
<li class="entry-title">
<h4><a href="https://news.pindula.co.zw/2019/04/10/govt-ridiculed-for-linking-an-earthquake-to-cyclone-idai/" rel="bookmark">Govt Ridiculed For Linking An Earthquake To Cyclone Idai</a></h4>
</li>
<li class="entry-title">
<h4><a href="https://news.pindula.co.zw/2019/04/06/mnangagwa-say-cyclone-idai-blessing-disguise/" rel="bookmark">Did Mnangagwa Say Cyclone Idai Is Blessing In Disguise?</a></h4>
</li>
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<h4><a href="https://news.pindula.co.zw/2019/04/07/disapora-initiated-cyclone-idai-relief-campaign-raises-us-100000/" rel="bookmark">Disapora Initiated Cyclone Idai Relief Campaign Raises US $100,000</a></h4>
</li>
</ul>
More: <a href="https://www.channelnewsasia.com/news/world/imf-approves-us-118-2-million-rapid-credit-for-mozambique-11462600">Channel News Asia</a>

Mozambique Gets $118 Million Credit For Cyclone Idai Rebuilding From IMF

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