Writing Competition Funded by Moza Banco Rewards Children’s Talent in Chókwè

Three children from Santa Luísa de Marilac School, in Chókwè district, Gaza province, saw their talent recognised and rewarded through a writing competition promoted by the Non-Governmental Organisation Um Pequeno Gesto (UPG), with the support of Moza Banco. The initiative aimed to encourage the development of writing and critical thinking skills from an early age.

Created under the motto “Knowing How to Dream of Tomorrow”, the competition challenged children to produce texts on the importance of saving — not only money, but also finite resources such as water, energy and paper — in line with the recent celebration of World Savings Day.

With more than 50 texts submitted, the podium was entirely composed of girls whose work conveyed the message of the competition in an exemplary manner: Dinalva Chaúque, Edvânia Mutisse and Clarência Novela, who won first, second and third place respectively.

More than the monetary prize, the three pupils succeeded, through their writings, in inspiring the entire school community, conveying messages of hope and confidence in a better future.

According to Sara Barreto, President and Founder of UPG, “the children showed great interest in issues related to saving and valuing resources. We want them to learn, from a young age, that saving is believing in a better future. This competition is a way of inspiring them to dream and to turn those dreams into great achievements.”

Meanwhile, the Chairman of the Executive Commission (PCE) of Moza Banco stressed that the initiative forms part of the “Knowing How to Dream of Tomorrow” project, through which the Bank promotes educational and artistic activities focused on saving and sustainability, complemented by support actions for school-age children.

“The project began last year with the creation of a children’s theatre play that is being presented throughout the country. At the same time, we have been donating school supplies to ensure that children do not give up studying due to a lack of resources. We have already delivered more than 1,500 kits across the country’s three regions, and we want to continue Making It Happen, reaching more and more Mozambican communities,” explained the PCE.

Founded in 2004, UPG has supported several communities in Gaza province, promoting the improvement of living conditions for children and families. Since 2019, the project has benefited from the support of Moza Banco, impacting more than one thousand children.

The 19 de Outubro Primary School, located in the Estevel community in the Boane municipality, was recently included in the Saber Sonhar o Amanhã (“Dream Tomorrow”) project, implemented by Moza Banco since last year. Hundreds of underprivileged children benefited from a variety of school supplies donated by the bank, aimed at fostering their interest in education despite the various social and economic obstacles that hinder their continued schooling.

The initiative was carried out as part of the World Savings Day celebrations, which took place on 31 October.

During its visit to the Estevel community, the bank delivered a talk on money and the importance of saving, ensuring that children develop a basic understanding of financial concepts from an early age. The activity included interactive moments and prizes for the students who best answered questions on the topic.

According to Jaime Joaquim, Member of the Executive Committee of Moza Banco, combining the donation of school kits with the introduction of basic financial education concepts to young children helps foster a mindset of prosperity that can serve as a foundation for a better future.

“As a bank that is part of the community, we also want to be part of the solution. Last year alone, we donated over a thousand school kits to primary schools and centres supporting vulnerable people in the central and northern regions of the country, while also delivering talks on financial education and saving. Our primary goal is for these children to ‘Dream Tomorrow’. The feedback we have received confirms that our project is making a real impact. For this reason, we will continue to invest in this initiative,” stated Jaime Joaquim.

The Headteacher of 19 de Outubro Primary School, Maria Alcinda Mandlate, praised Moza Banco’s initiative, saying, “It comes at a crucial moment and serves to motivate our students further. Our children already show an understanding of what it means to save, which is an enormous gain,” she added.

For Moza Banco, this represented yet another institutional opportunity to emphasise a sense of belonging, support those in greatest need, and promote equal opportunities in Mozambique. The bank assures that it will continue to Make Things Happen through initiatives that contribute to building an ever-better society.

Moza Banco presents financing opportunities to over 100 Mozambican entrepreneurs

Moza Banco recently participated in the Entrepreneur Forum held in Maputo, an event that brought together public and private sector entities with the aim of discussing opportunities and challenges related to the emerging business landscape in Mozambique.

During the event, the Bank addressed more than a hundred young entrepreneurs interested in strengthening their knowledge about financing methodologies within the national banking system, with a particular focus on subsidised credit lines designed to support business growth.

Representing Moza, Amâncio Zita presented the range of financing solutions available for Small and Medium Enterprises (SMEs) through the Bank, highlighting credit lines specifically aimed at the agribusiness sector. Special emphasis was placed on the FECOP - Portuguese Cooperation Business Fund, FIDA - International Fund for Agricultural Development, and FSA - Food Security Fund.

The FSA, in particular, is targeted at small entrepreneurs, individuals and companies within the agribusiness sector, supporting key needs across the value chain. This includes the production of crops contributing to food security, marketing activities, storage and processing of agricultural products, animal production, and the provision of support services to the agricultural sector. For individuals, financing amounts range from MZN 240,000 to MZN 2,500,000, while companies can access funding from a minimum of MZN 1,500,000 up to MZN 30,000,000. Interest rates do not exceed 14%, with repayment terms varying between 6 and 60 months.

In addition to presenting opportunities developed internally by the Bank, Moza also highlighted other financing lines offered in partnership with external entities, notably the Public Fund for Agricultural Development and Rural Extension, which targets the southern and central regions of the country.

There was also an opportunity to present the EIB Line, through which Moza provides €10 million from the European Investment Bank at subsidised rates, primarily to finance projects promoting gender equity, with a focus on women-led initiatives.

Specifically, the EIB Line offers treasury and investment support products, with financing amounts ranging from MZN 200,000 to MZN 5,000,000. Associated interest rates do not exceed 15% and may vary depending on the amount, duration, or client profile.

The financing lines available at Moza can be accessed at any of the Bank’s branches. Interested parties are encouraged to visit their nearest branch to obtain all the necessary information for their loan applications.

Organised by Anita Corporation under the “Emerging Enterprise” programme, the forum brought together both public and private institutions, including the Mozambican Tax Authority, the National Institute of Social Security, and the Mozambique Stock Exchange.

With this strategic participation, Moza once again reaffirms its commitment to supporting national entrepreneurship, Making It Happen by financing business projects that foster the country’s development.

A total of 23 national companies were recently honoured with the FaMoza Seal, an award created to recognise entities that stand out most in their relationship with Moza. These are institutions distinguished based on their Financial Engagement, use of POS terminals, and utilisation of Moza’s digital platforms, making the Bank an indispensable partner in their day-to-day operations.

Among the awarded companies are Uteka Construções, Instituto Nília, Moz Phama, and 20 other companies operating across the three regions of the country.

The recipients agree that the recognition encourages them to continue investing in Moza Banco. “Moza Banco has proven to be a partner for our businesses, ensuring that we can meet our commitments to clients and suppliers with all the necessary reliability. This award helps us understand that the feeling of trust is mutual,” said the entrepreneurs during the official FaMoza Seal award ceremony held in Maputo.

According to the Chief Executive Officer (CEO), Manuel Soares, the FaMoza seal is part of a broad movement of “innovation and market proximity, through which the Bank seeks to recognise and encourage adherence to good practices within the national business sector.”

“With these innovations, the Bank strengthens its role, not only as a provider of financial services but as an active partner in promoting entrepreneurship, formalising the economy, and combating poverty. By rewarding entrepreneurs for their financial engagement with the Bank, and their use of digital tools and POS, Moza Banco demonstrates that it is an ally to those who Make the Necessary Changes to improve Mozambique’s economic paradigm,” Manuel Soares said.

As this was the first edition of the FaMoza Seal award, Moza Banco assures the continuation of the initiative, encouraging all its clients and potential clients to increase their transaction levels with the bank, making full use of all the products and services the bank offers.

Moza Banco, in a strategic partnership with the European Investment Bank (EIB), has just announced the launch of the EIB Line, a financing package worth 10 million euros, specifically designed to support small and medium-sized enterprises led by women.

This initiative, anchored in the Moza Women project, reinforces Moza Banco’s commitment to sustainable economic growth and gender equality, putting into practice its corporate values of Integrity, Resilience, Winning Together, and Ambition.

With favourable credit conditions, Moza Banco aims, through the EIB Line, to overcome the barriers that often hinder women’s access to financial resources, encouraging investment, business expansion, and consolidation.

To benefit from this financing, businesses must demonstrate strong female representation, whether in shareholding, management, workforce, or through products and services that promote women’s empowerment. The credit is available for sectors such as industry, transport, agriculture, health, and services, thereby increasing the economic and social impact of this initiative.

“We have embraced the mission of making a difference every day, contributing to Mozambique’s success. The EIB Line, created in partnership with the European Investment Bank, is more than financial support – it is a movement for empowerment that places women at the heart of economic and social development,” stated the Chairman of the Board of Directors of Moza Banco. He added, “The EIB Line is aligned with Moza’s vision of being the best Mozambican banking experience, one that everyone is proud to be part of.”

Furthermore, still under the umbrella of the Moza Women project, the Bank revealed that, in addition to offering women-focused products, it is also establishing partnerships with women-led businesses, offering competitive discounts to all customers who make purchases or payments using Moza cards.

With this initiative, Moza Banco reaffirms its role as an active agent in creating opportunities, generating positive impact, and building an inclusive economy where everyone can grow and prosper.

Moza Trains Over 6,000 National Entrepreneurs in Business Management

In the first half of this year, Moza has trained over 6,000 national entrepreneurs from across the country in business management.

This free initiative forms part of the Bank’s ongoing efforts to support the development of National Small and Medium-sized Enterprises (SMEs).

The training programme and thematic plan were developed and delivered virtually through a platform created in partnership with Fundação Dom Cabral, a renowned Brazilian institution recognised as one of the world’s leading business schools.

In addition to the 6,000 entrepreneurs already trained, the Bank has registered a further 1,500 participants, who are expected to begin training soon, aiming to acquire essential tools to improve the functioning of their businesses, particularly in terms of organisation and financial management.

During the pilot phase of the project, which began last year, the Bank trained around 50 companies from various sectors, including technology, pharmaceuticals, printing, security, supply, catering, and stationery.

For the participants, the initiative addresses one of their key needs. “This is a great opportunity for us to learn how to manage and develop plans that allow us to build a future for our businesses,” they noted.

According to Manuel Soares, Chairman of the Executive Committee of Moza Banco, the training aims to address a challenge that often hinders the development of Mozambican SMEs.

“Many national entrepreneurs still struggle with financial management, and it is common, for example, to confuse revenue with profit. Revenue is the total amount the business generates, whereas profit is what remains after all expenses are deducted. Without this basic understanding, it becomes difficult to achieve prosperity. That is why we have partnered with FDC to develop training programmes that help national entrepreneurs grasp this and other key concepts essential for business success,” explained Manuel Soares.

This is yet another Moza Banco initiative implemented as part of its commitment to national economic development, by empowering those who are driving positive change in the country.

By introducing this project in Mozambique, the Bank brings to life one of its core values — “Winning Together” — through which Moza works alongside national economic agents for the ultimate benefit of the national economy.

In the spirit of "Make it Happen" and in line with its new institutional values, Moza Banco has donated over 50 copies of the children's book "A Casa dos Móveis que Falam" (The House of Talking Furniture), written by Mozambican author Ernesto Moamba, thus reaffirming its role in driving social transformation, starting with children.

The donation was recently made at the Guimarães Rosa Institute in Maputo, during the closing ceremony of the Children's Book Production Workshop, organised by Kuvaninga – Cartão d’Arte, a project that promotes the arts and advocates for environmental preservation.

Of the books donated, 30 were given to the students who took part in the workshop, and 20 were delivered to the library of Unidade 30 Primary School, thereby enhancing access to Mozambican literature and encouraging reading habits from an early age.

According to Elcídio Bila, the head of Kuvaninga, reading promotion projects from a young age deserve increasing support from Mozambicans. “Helping to foster a love of reading is like planting seeds for future change,” he said.

The Chairman of Moza Banco’s Executive Committee, Manuel Soares, on his part, noted that this initiative is part of a series of actions being carried out in different parts of the country, through which the bank provides various educational materials to promote learning in Mozambique.

“Just last year, through our social responsibility project Saber Sonhar o Amanhã (Learning to Dream of Tomorrow), we delivered around 1,500 school kits to vulnerable children in the central and northern regions, as we believe in the transformative power of education. We hope these books will spark an interest in literature among the children receiving them – a field we proudly and enthusiastically support,” Soares explained.

Through this book donation, Moza Banco puts into practice one of its core values: Winning Together, by contributing towards the development of a better society

Moza has just launched its new MozaNext Signature Credit Card, a premium payment solution that marks a new level of sophistication, exclusivity, and personalisation. This card, the second most exclusive in the VISA portfolio, reinforces Moza’s value proposition for a segment of clients who appreciate prestige, convenience, and privileged access to a wide range of carefully selected national and international benefits designed to deliver a premium experience.

Among its key benefits are free access to over 1,200 airport lounges and VIP areas worldwide, a 24/7 personal concierge service, premium travel and purchase insurance — including medical emergencies and emergency cash in the event of card loss or theft abroad — as well as exclusive offers in hotels, gastronomy, culture, and lifestyle. The card also provides access to cashback campaigns and discounts at selected partners, along with an advanced digital platform and dedicated customer service, ensuring efficient and personalised management.

“More than just a new product, the launch of the MozaNext Signature reflects our ongoing commitment to innovation, sophistication, and excellence in customer service,” stated Manuel Soares, CEO of Moza. He added, “We aim to position ourselves as the bank of choice for discerning clients, offering solutions that meet their highest expectations.”

The introduction of this card is part of Moza’s transformation strategy, centred on modernisation, digitalisation, and a strong customer focus. It reinforces the Bank’s commitment to evolving with the times while always prioritising service quality and personalisation.

“With this launch, we reaffirm our ambition to be a modern, digital, and customer-centric bank that keeps pace with the evolving needs of the market and our clients,” highlighted João Mota, Director of Marketing, Communication and Digital Channels at Moza. “We remain committed to investing in innovative solutions, always with the client at the heart of everything we do.”

The MozaNext Signature card is now available for subscription at Moza branches nationwide, with exclusive conditions for eligible clients.