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Business Advisory
Business Advisory Insights & Articles
Browse our expert business advisory articles, guides, and analysis for Zambian businesses.
Mandatory Clauses for a Fixed-Term Employment Contract in Zambia (2025 Edition)
Losing a great hire to a poorly drafted contract costs more than a month’s payroll. In 2025, Zambian labour inspectors—a...
What Triggers a ZRA PAYE Audit—And How Your Company Can Stay One Step Ahead
Losing money hurts—especially when it’s because the taxman spotted something you missed. Zambia Revenue Authority (ZRA) ...
Zero-Rated vs Exempt VAT in Zambia: How to Classify Your Products in 2025
Why the distinction matters VAT mistakes hurt—sometimes more than the profit you fought for all quarter. Classifying a s...
Can Odoo CRM Really Double Conversion Rates for Zambian SMEs? A Data-Driven Reality Check
Every ambitious SME owner dreams of doubling sales conversions overnight. Vendors sometimes hint that Odoo CRM can achie...
Hidden Compliance Traps in Zambia’s New E-Commerce Act: What Every Digital Business Must Know in 2025
Zambia’s E-Commerce Act, together with the refreshed Cyber Security and VAT rules, promises to boost consumer confidence...
Rolling Cash Flow Forecasts for Start-Ups: Your 13-Week Lifeline to Staying Cash-Positive
Cash flow surprises sink more young businesses than product flaws or marketing mishaps. Recent data shows that 16 % of s...
Structuring Shareholder Agreements to Attract Angel Investors: A Practical Guide for SMEs
Angel investors write cheques quickly, but they do not do so blindly. Before wiring funds they read your shareholder agr...
Why Do 70 % of Sales Prospects Stall at the Proposal Stage—and How M&J’s Behavioural Sales Scripts Unblock Them
Stalled deals drain time, energy, and revenue. Studies and win-loss data show that around 70 % of prospects pause or go ...
How Foreign-Owned Businesses Can Slash ZRA Penalties on VAT Returns: M&J’s 6-Step Compliance Framework
Foreign-owned businesses in Zambia often find Value Added Tax (VAT) compliance more intimidating than market entry. ZRA’...
HR KPIs for Zambian Companies in 2025: A Practical Framework and M&J’s Benchmarking Method
Rapid economic shifts, a tight talent market, and accelerating digital adoption mean Zambian organisations can no longer...
Which Cloud Payroll Solution Fits a 20-Employee Manufacturing Plant?
An M&J Comparison Guide for 2025 Manufacturing payroll is never “just” payroll. A 24-hour line means night-shift premium...
Can a Foreigner Own 100 % of a Business in Zambia? What the Law Actually Says
Short answer: Yes—foreign investors can hold 100 % equity in most Zambian companies. Long answer: You must clear a US $1...