By John Chola

For parents across Zambia, the start of the term often brings the same old headache: where to find the school fees before the deadline.

This morning, MTN Mobile Money Zambia just made that scramble a whole lot easier.

In a major upgrade to its popular Kongola marketplace, MTN has switched on a new partnership with Konza Loans.

The result? Parents, small traders, and anyone with a MoMo wallet can now access instant, collateral-free credit in seconds right from their phone.

Imagine this: It’s the night before school opens, and you realize you’re short on fees. Instead of knocking on doors or stressing about transport to a bank, you simply dial \*115#, head to the Kongola portal, and pick your lender. The money lands in your MoMo wallet. Instantly.

Komba Malukutila, CEO of MTN Mobile Money, says this is about putting power back into the hands of everyday Zambians.

“We know life doesn’t wait for paperwork,” said Malukutila. “Whether it’s school fees, transport, or keeping your small business going, Kongola is designed to give you options. By bringing Konza Loans onto the platform, we’re making sure more customers—especially those in urgent situations—can find a solution that fits, quickly and safely.”

Konza Loans now joins a growing list of partners on the platform, including Kasaka Loans, XtraCash Loans, and Zed-Fin Loans. This means customers can shop around for the best rate or terms, all in one place, without ever visiting a bank branch.

For the market trader in Lusaka, Namushakende or Ikelenge, the informal worker in Ndola, or the parent in a rural village of Kawambwa, this is more than a tech update. It’s a lifeline.

By cutting out the queues, the paperwork, and the travel, MTN MoMo is turning a simple mobile wallet into a financial safety net for millions—helping families keep their promises, one instant loan at a time.