Zambia.  Emmanuel Malolo: – I opened a grocery shop 2 years ago, it wasn’t making a profit as expected. I took my business casually. A month after doing my MBS program,  I have seen tremendous improvement in my business. I take all my paperwork very seriously; I do proper budgeting and planning; I create income statements every month. I can testify that my MBS program has impacted my life positively and have seen growth in every area of my life.