On 20 June 2021, C J Investiment signed an MoU with SGM-Entrepreneurs Development Circles of Zambia to provide business development services and contribute to Zambia’s entrepreneurship development. This joint program aims to develop an “entrepreneurial mind” among Zambians for job and wealth creation. We seek to augment the government’s efforts in actualising vision 2030 and the programs articulated in the 7 th National Development and subsidiary plans of making Zambia a Prosperous and Poverty-free Society with sustainable employment opportunities that guarantee wealth for its people.
The program will be implemented through Entrepreneurship Clubs that will be formed in secondary schools, colleges and universities and in communities to cater for the unemployed youths, those working in the informal sector and ready to respond to the government’s call to take entrepreneurship as a vehicle to grow the economy through enterprise development, job creation.
Interested individuals countrywide and beyond with a passion for developing into successful entrepreneurs can become members.
“Productive and wealthy nations with low unemployment and poverty levels”.
“Expanding human opportunities, through entrepreneurship support for Job and Wealth Creation.”
What We Do
We create and run institution-based entrepreneurship clubs in public and private secondary schools, colleges and universities. This is a critical level of intervention, as it holds a cadre of youths about to join society with higher expectations to be employed.
Through clubs, beneficiaries will be trained in entrepreneurship and small business management. Subjects and topics that will be covered during Entrepreneurship and Small Business Management training meetings will include;
Members are also provided with mentorship, coaching, apprentice, industrial exposure, attendance at a business forum, and provincial and national boot camp opportunities, among other beneficial activities. The programme also facilitates the maintenance of voluntary savings bank accounts among club members to build capital for future enterprise development. Savings shall mature at the end of a three-year period, and the member will be free to access their money to start a business.
The programme, therefore, builds the capacity of students to become confident and professional future entrepreneurs who can develop innovations that help create jobs for themselves and others once they graduate, as opposed to seeking employment either in public or private institutions where jobs are not even readily available. Register Now
At the community level, community members are encouraged to join and form entrepreneurship clubs within their locality, with a membership of not more than thirty members per club. The programme targets out-of-school youths who are roaming the streets, and youths in the informal sector, including those who are working and are willing to acquire entrepreneurship and business management skills, diversify their income sources and participate in job and wealth creation through entrepreneurship development. The clubs hold weekly entrepreneurship and small business management training meetings to discuss business and saving ideas at their agreed time and place.
The programme provides an alternative career pathway where members learn how to become their bosses and create employment for others through entrepreneurship. It helps members defeat the job-seeking mentality but promotes a self-employment culture in the face of high unemployment levels among youths in the country. The programme, therefore, seeks to equip members with skills to identify business opportunities in any given environment, create business innovations, marshal resources to apply to such businesses, and manage them successfully. Register Now
The programme works with Agro-cooperatives countrywide to promote agribusiness activities that support farmers in taking full potential benefits in the food value chain business for improved and sustainable farmer performance and profitability. It promotes value addition through processing and packaging. One in every six cooperatives identified in a district becomes a parent cooperative into which the other five feed; and shall be used as processing and packaging hubs.
The programme entails the provision of training in entrepreneurship and small business management, specialized training in food processing and packaging with barcode, and provision of loans in terms of processing equipment (such as cooking oil-making machines, peanut butter-making machines, hammer mills, livestock feed making machines, sausage-making machines, rice processing machines, egg incubators etc.), provision of packaging materials, trade facilitation.
The programme also facilitates the marketing and selling of processed and packaged products to credible customers like Shoprite, PicknPay, Choppies, Game stores, and other local supermarkets and retailers countrywide. This allows farmers to sell value-added products at competitive prices and avoid exploitation by briefcase buyers. Because it is a nationwide program, we can meet the supply volumes required by the above-stated customers.
Eventually, the programme envisions setting up ‘Community Super Markets’ stores in all the ten provincial capitals, where locally processed and packaged foodstuffs will be sold. Community Super Markets will be open to other food producers and processors to sell their products at a fee. Participating agro-cooperatives will own shares in these stores. A Special Purpose Vehicle entity, Prestew Food Solutions Limited, manages this programme. Register Now
This is the programme’s ultimate purpose, as it seeks to create jobs and wealth for the people. Therefore, the programme facilitates establishing and registering business enterprises either with the Patent and Company Registration Authority – PACRA or with the Ministry of Commerce Trade and Industry as Cooperatives. The companies formed start businesses they define in their business plans developed during the training.
These business enterprises will be formed by 15 programme beneficiaries as shareholders/company owners. The number 15 will include the following positions; Register Now
The programme opens four web-based crowdfunding windows every year, each for Regional Area Block1 (comprising Eastern, Lusaka and Muchinga provinces)
Regional Block2 (comprising Central and Northern provinces)
Regional Block3 (comprising Copperbelt, North-western and Luapula provinces)
And Regional Block 4 (comprising Southern and Western provinces); where clubs will be posting their business proposal concepts to attract funding.
Regional Block1 (comprising Eastern, Lusaka and Muchinga provinces) window opens and runs from 1st January to 31st March.
Regional Block 2 (comprising Central and Northern provinces), the window opens and runs from 1st April to 30th June.
Regional Block3 (comprising Copperbelt, North-western and Luapula provinces) window opens and runs from 1st July to 30th September, while Regional Block4 (comprising Southern and Western provinces) window opens and runs from 1st October to 31st December.
Eligible entrepreneurship clubs are requested to submit a maximum of four (4) paged business concept notes with a budget not exceeding US$150,000. Clubs not in that particular window are obliged to donate towards any business concept note that interests them. Apart from contributions made by national alumni members, concept notes also attract crowdfunding from individuals and organisations worldwide that are passionate about solving world problems and contributing to poverty reduction. Register Now
Those making donations freely contribute any amount of money towards the proposed business of their interest. It could be US$20, US$50, US$100, US$200, US$500, US$1,000……… etc. 10% of every donation is retained by Entrepreneurs Development Circles as a management fee.
6. Business Credit Solutions: We offer very flexible and collateral-free business loans to groups of entrepreneurial individuals, comprising between 5 – 15 members or shareholders, organized in a formal and legally established enterprise, cooperative, association, Club or other organizations who jointly and severally commit to being liable for the loan repayments and interest accrued. Loans are offered to our corporate members to help them meet their business financial needs and are paid back at 12% interest over an agreed period. Members can apply for a loan at any time of the year. Register Now to become a corporate member.
Six Fundamental Programme Pillars
Membership Requirements and Benefits
The two critical requirements for this project are becoming a member of the entrepreneurship club either at an institution or in the community and receiving training in Entrepreneurship and Small Business Management. One can apply to the following membership categories and pay appropriate fees.
Our team of business advisors and project managers has broad international and local experience from diverse backgrounds, including; legal, business, development, health, ITC, and political. We share a genuine interest in facilitating development cooperation and the commitment to ‘making a difference by supporting responsible community and business projects in less developed countries and disadvantaged communities therein. We love travelling to meet our partners to work and share experiences on projects with high economic and social impact.
Angel Investor Program
An opportunity to “GO GREEN AND CREAT WEALTH.”
Discover How Busy Professionals Can Passively Invest & benefit from our New Angel Investor Program.
We have attracted Top Agribusiness and Prime Businesses incorporating & registering on our robust and exciting first-ever introduced program in Zambia and Africa.
Angel Investors can join on either of the two fronts.
1)Investing in agribusiness to fund processing equipment and packaging materials, where we will work with 240 organized farmer groups and cooperatives around Zambia. The processing equipment and packaging materials you fund are loans you must recoup with 10-14% interest over 6-18 months, payable in equal monthly instalments.
The funds will be securely deposited into our participating bank, NATIVE, before it is channelled to various projects.
The area of investment where to expect good ROI, faster are:
1) Agriculture, where we do outgrower scheme with reputable organizations in Zambia
* Chillie production
* Legume production (soybean, groundnuts, beans)
* Irish potatoes
2) Bulk merchandising (bulk cooking oil, salt, sugar, rice, and beans)
3) Butchery business (pork, beef, fish, chickens, and other products including mince, sausages, polony, chilli bite)
4) Poultry and piggery (broiler, layers for egg production, and pork)
5) Software development and e-Learning platform providing entrepreneurship and basic business skills to schools, colleges/universities, and the community.
Note: As a member of the Zambia Development Agency, we will target export markets, mainly the Democratic Republic of Congo, Angola, Malawi, Botswana, and Namibia.
We expect more organizations to come on board.
We have launched a campaign in all regions starting from Chipata, to sensitize students/community members and those about to retire. The market is vast. So grow with us and achieve financial freedom before others who may join later. WE DO ALL THE LEG WORK ON YOUR BEHALF WHILE YOU SIT AND WAIT FOR YOUR INVESTMENT TO MATURE!
Please, if you are interested and committed, complete the application form below, and we shall respond to you the soonest before the farming season ends!
1) Make an application via CJ Investment online
1) Be subjected to an interview with Charles and Steward.
2) We share investor agreement. The minimum amount required to invest is $5,000 if you want to get a better return.
3) We both sign it if you are satisfied and close the deal.
4)Funds will be deposited into our bank account at NATSAVE before it is channelled to your specific portfolio.
5)Wait for your dividends to mature.
1)Access to your funds shall mature after three months of investment and six months in the agricultural business.
2)Return on business investment such as e-learning/software, corporate, and general dealing shall be calculated after 18 months and on the applicable monthly flat rate per our schedule.
3)Group of angel investors jointly registered on the same investment business of EDC/CJ Investment; ROI shall be calculated proportionate to each investor’s overall investment.
4)Opportunity to re-invest at the end of the expiry period of 18 months if you write to us within seven days from the expiry date of this agreement.
5)Depending on the type of portfolio you invested in, TT makes monthly payments into the investor’s nominated bank account soon after maturity.
SGM – Entrepreneurs Development Circles
Indeco House, 5th Floor, Room 506, Cairo Road
C/O P.O. Box 30560, Lusaka, Zambia
Phone: +260 971 032 787
Mobile: +260 760 114 844
CJ Investiment Property and Academy
C/O WOW Secret Harbour PCL Locker
Shop 5/420 Secret Habour Boulevard
WA 6173, Perth Australia
I have known Charles Vincent Kauwasha for many long years now since we first met in Accident and Emergency department of Hutt Hospital Lower Hutt New Zealand, where he was an emergency nurse. I had a problem with my heart and very quickly learnt to trust him with my life! we got talking about our businesses and exchanged contact details. Charles has been a loyal friend and business contact here and on whatsapp etc ever since that time, even after he moved from New Zealand to Australia. Charles is a very honest, loyal and trustworthy person, both in business and as a friend. I highly recommend Charles as a safe person to know and do business with.
Charles has provided me with many – free but easy to use marketing tools. If you are new to affiliate marketing – Charles is the best person to go to
With his humble beginnings overseas, Charles would be a perfect mentor for someone feeling trapped with not much to look forward to in future. Listen to his story and be amazed and inspired… starting with nothing to where he is! He will teach you about the power of perseverance. Well done Charles
A unique and profound CEO I have seen in our times, I have seen the calibre in Charles. Charles has a performing influence drive from his desires to do work in an extraordinary way. Charles is adeliver, you will not regret working on projects with him
I Studied with Vincent Kaluwasha during this programme. A highly skilled and knowledgeable individual. Passionate about Occupational Health and would suitably work in the is capacity anywhere in the world”.
JACOB JOSEPH SAKALA-NURSE CONSULTANT
Charles is a man with a great deal of integrity and takes pride in his work
I’ve known Charles for many years and every encounter has been a happy one….he has a wonderful attitude towards life. He is a man of integrity
C J Investiment helped me to secure my first investment with couple of weeks. I will recommend their services to anyone looking for best investment in any city or country
I have seen how Charles has evolved from nothing to setting up a real estate portfolio with determination -Jessica McDade He is a man of integrity and passion who leaves a stone unturned!
All the developers of D5 Creation have come from the disadvantaged part or group of the society. All have established themselves after a long and hard struggle in their life
Thanks to you Charles, we can be there when the worst happens to give people the emergency medical care they need – and rapid transport to hospital. Your support means that CareFlight can fly at a few minutes’ notice, to some of the most inhospitable places in this country. It means patients like Simon can be reached quickly with hospital-level emergency care at the scene – and in cases like Simon’s every minute counts.
On behalf of everyone at CareFlight, thank you for your generosity – and have a wonderful holiday season. Thank you so much
Dear CVK, Awesome, a huge thank you for your prompt response!!! I feel blessed to know you.I love your inspiring video and I have learnt a lot from your nicely arranged presentation. I can’t remember the question I paused to you myself but it feels like whatever it was I asked you has been effectively dealt with in your powerful video. By the way, I strongly feel you can make a good mentor of mine considering the massive education and experience you have acquired through the years. Let me know if you can do this for me because I firmly believe there is a purpose why God brings certain people into our lives which is to help us achieve our fullest potential and arrive at our God-given destiny. Remain blessed forevermore in Jesus mighty name, Amena!!! By the way, many thanks for your quick encouraging feedback and for the free book offer on how to attract people to my biz.Will study the book ASAP and I should be able to implement what I will learn and will see where that will take me. I am looking forward to a rewarding interaction between the two of us. Once again, thank you for your non-wavering support and encouragement you have rendered to me over the years. I thought you had given up on me and forgotten about me since I appeared to be wasting your time. I am still interested in salvaging my life and do something new and big because I am tired and sick of living a mediocre kind of life. Please help me if you can by God’s grace. Have a blessed day my Brotherman
Charles, right now, a lot of people in this country are saying, “Thank you.”Thank you for being there when they needed help most. Thank you for taking charge when their world was turning upside down. Thank you for giving them confidence, when they were afraid and needed life-saving help. As a CareFlight Support Crew Member, you are making such a difference for so many people. Your regular donations help save lives and keep families together. Patients like Thomas, who told us, “You made it possible for me to survive.”And Agnes, who said, “I’m very grateful a service like CareFlight exists.”Below are some more messages of thanks: Thanks from the patients you help. As we head into another year, we know there will be even more people who will call on our services. So, I’d like to add my heartfelt thanks to those of our patients, for your steadfast support. Together we are ensuring CareFlight is always there for people when they call for our help. Whether it’s intubating a patient at the scene of an accident, or ensuring a newborn is safe on a flight from a remote area to a major hospital for treatment, our patients cannot speak highly enough of the care they receive. Charles, that care is part of a chain that starts with people like you. These expressions of gratitude, from all over the country and from all walks of life, show you how much your support is valued – and how much it is needed, more than ever. We can’t do what we do without you.
If this year has taught us anything so far, it’s that none of us ever truly know what is around the corner.
That’s why I can’t thank you enough for your support that ensures we can continue to provide life-saving aeromedical care to Australians most in need.
Our CareFlight crews are in a unique position to understand what Australians have been going through. Every day, we care for people who have found their world shaken by a sudden accident or illness – coping with circumstances almost none expected to face when they woke up that morning.
People like Simon Bowman don’t like to rely on others for help. But one day, as he lay trapped inside his car after a terrible road accident, with suspected injuries to his spine and shoulder and a possible head trauma, Simon needed life-saving help desperately. CareFlight was there in a matter of minutes.
CareFlight’s rapid response helicopter service is so vital in situations like this. Our crew can be airborne in minutes and by the side of our patient, delivering hospital-level emergency care as fast as possible.
Simon doesn’t remember much about his accident, but he does recall the voices of the CareFlight crew as they worked urgently to treat his injuries. Simon told us: “I knew there was someone looking after me and that I was in good hands.”
Our mission is to deliver people the very best care. We’ve spearheaded international aeromedical innovations such as our stretcher bridge system and become the first civilian service to carry blood plasma to the scene of an accident.
The care, the state-of-the-art equipment, those voices which reassure patients that they are in the hands of skilled professionals they can trust – it’s all thanks to people like you.
Simon has recovered and recently visited our base to meet some of the crew. He has never forgotten the help he received from CareFlight, so meeting them again was an emotional experience.
Seeing the helicopter that transported him to hospital, he was amazed at its size. He confessed he’d never been that keen on helicopters, “but I was very keen that one was there that day.”
Your support for CareFlight is helping to save so many lives, like Simon’s.
Thank you so much.
HAPPY BIRTHDAY, CEO!! peacemaker, Shepherd, wise, intelligent, focused, hardworking, caring, loving, forgiving, Husband, Granddad and most importantly best Father Charles V. Kaluwasha. We’ve been truly blessed to have you as our mentor and protector. We thank God for keeping you alive and healthy. Today we celebrate your 60th, a blessed milestone! Next, we count down to your 100th BIRTHDAY. WE LOVE YOU and pray we have you as our father in the next life- @Kendy Kaluwasha
Charles is a very intelligent individual and is very knowledgeable in regards to the Australian Real Estate market. We continue to work a long side each other and we will be for a very long time. He is a much needed asset to my business and growth of my business in the future.
Charles, is very knowledgeable about real estate and great person to connect with. He teaches what he has done himself.
My great sponsor, you inspired me a lot, you are really God sent, to make life better for me, I will not hide it from you, that I really have a little bit of financial contains, because all what I was saving for my travel I left 60%of the money to take care of my two children, to buy a bag of rice and different foods stuff. so here in Monrovia I don’t want to sit idle I just want to start some clothing business, so I am pleading what everything you help me with for the sake of God Almighty, God will surely triple it in return. Thanks sir and God bless you the great man one day you will be the richest man in Zambia, God bless you. I pray that the money will grow more than ten billion dollars. Amen sir, thank you sir, one day you will be a leader in Zambia, by the Grace of God, that my vision for you sir.
Thank you sir hope your work and business expand. Greatness is your portion on a daily basis. You inspire many to pursue their dream, so good to see you pave the way.
You are just not any other resource mwanta, but a creative, proactive and as sharp as a double-edged sword. I love the way you have put together connected opportunities available in our programme and the turning of light by the blind buddy. This is awesome, This is incredible!! https://www.entredevec.com/
Hello. How was the day?
Mine was fine, and I was reading the testimonies people are presenting about you.
You are great, and I want to learn from you.
I am really impressed with your work, experience and expertise. Continue helping us.
The book Launch speech
On 25 November, my co-authors and I had to present our speeches.
One week later, this is what people had to say…
Mwebantu…who has @Charles Kaluwasha speech at the book launch 😄
It was POWERFUL-Cranston
I tell you, that was captivating I don’t think people remembered to press record.
For the book am reading ba @Charles Kaluwasha story and while reading am imagining it being told just like the speech 😀. -Cranston
I hope someone captured it; maybe check the zoom recording as well.
He was on fire 🔥 🔥🔥🔥🔥
It was fun to listen to. –Cranston
Personally, I can confess…after technical difficulties and having to personally meet and speak to the VIPs I invited…it was VERY refreshing to sit in the audience and just take in what you had to say. It was so good 😄-Cranston
Yeah, he was on fire…I thought he was going to make a book launch altar call 😄. There was so much energy, and time was not our best ally; otherwise, we were going to spend a night there.- Paster Kennedy Phiri
The story is also good, so authentic and inspiring. If I was not yet abroad, that is the story I would like to read.
The speech made me want to read it first, despite being the last reading 📖.-Theresa D’Amaden
Hi Charles, I hope this message finds you well. I have been inspired by your achievements as the Founder & CEO of CJI, a Real Estate Investor & Developer, as well as your status as a #1 Amazon Bestselling author. Your entrepreneurial skills and dedication to delivering exceptional results for over 10 years are truly commendable. As a mortgage broker, I understand the importance of having a strong network of professionals to support and empower success. I wanted to reach out and offer my assistance as well as explore potential collaboration opportunities with you. Whether you need assistance with home loan refinancing, business loans, or any other financial solutions, our team is here to help. We specialize in tailoring our services to meet the unique needs of busy professionals like yourself. With our expertise, we can provide the support you need to fuel your real estate ventures and continue your entrepreneurial journey. Additionally, I wanted to highlight our referral program. We believe in the power of collaboration and building strong relationships within the industry. If you come across any individuals or clients who could benefit from our services, we would be more than happy to assist them. Likewise, we would be glad to refer clients to you whenever there is an opportunity to leverage your exceptional entrepreneurial skills, coaching, and mentorship. I would love to have a quick chat with you to discuss how we can collaborate and support each other’s success. Looking forward to the opportunity to collaborate with you, Charles, and empower each other’s entrepreneurial journeys. Jay Menon www.jjmfinancespecialists.com.au