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Dr. Muleya Mwami Choongo, Matero (2025)

24/11/2025

OPTIMIZING CAPTIAL FOR ECONOMIC SOVEREIGNTY
Yesterday, on a mildly cloudy afternoon, I took a drive just outside Lusaka to a commercial farm owned by a renowned Zambian businessman. As seen in the picture below, that’s me speaking with one of the workers. On my way back, I kept thinking about two friends of mine; let’s call them Jacob and Mike (not their real names), and their uniquely different financial choices made. For clarity, I’ll use dollar figures.

A few years ago, Jacob bought a brand-new car. He put $4,000 down and financed $27,000 over 72 months, giving him a monthly payment of $583. Today, that car is worth about $9,000.

Mike, on the other hand, bought a used car for $4,200 and invested $490 every month. Today, his investment portfolio is worth roughly $84,500.

This isn’t just a personal finance lesson; it’s a powerful analogy for national industrial and economic strategy. The core principle is the strategic allocation of capital toward appreciating ecosystems rather than depreciating assets. For Africa to achieve economic sovereignty, we must apply this “Mike Model” at a continental scale.

Strategic Imperatives for Transformational Finance:
1. Invest in Appreciating, Tech-Powered Ecosystems.
Jacob’s new car mirrors investments in legacy infrastructure; it provides utility but loses value within a global value chain. Mike’s portfolio represents strategic investments in AI, digital infrastructure, and high-growth industrial innovation. These are the modern assets that compound in value, generate intellectual property, and shape the future.

2. Avoid the Infrastructure Liability Trap.
A large monthly car payment is a sunk cost that limits future options. Likewise, allocating capital solely to traditional, non-digital infrastructure without parallel investment in the technology that maximizes its return is a strategic misstep. We must redirect our “monthly payments” from consumptive expenditures to transformational investments that generate data, efficiency, and exponential returns.

3. Harness Compounding Innovation.
Mike’s success came from compound interest; small, consistent investments building over time. For our economies, the equivalent is compounding innovation. By establishing a foundation of AI talent, digital public infrastructure, and agile fintech systems, we create an environment where each innovation accelerates the next, producing nonlinear, sovereign growth.

The strategic lesson is that Africa’s path to economic sovereignty will not come from merely owning the “car” (basic commodities and traditional infrastructure), but from strategically funding the intelligent, connected systems that elevate the value of our entire industrial ecosystem. We must become architects of value creation, directing the continent’s capital into AI-powered industries that will appreciate for generations.

29/10/2025

CLOSING AN EXTRAORDINARY YEAR WITH PURPOSE & PARTNERSHIP
As 2025 draws to a close, I’m honored to be invited once again by our Indian business & corporate partners to share insights on corporate futures; exploring futuristic strategies for developing critical industries and driving cross-continental collaborations for shared prosperity.

This exclusive, invitation-only seminar will bring together leading thinkers, innovators, and experts from diverse sectors. I’m humbled to be invited to the panel to discuss insights in my key areas of focus: Healthcare, Economics, and Finance.

Panel discussions will explore the following niche areas:
1. AI-Driven Healthcare Supply Chains; Advancing local innovation to build resilient healthcare systems and sustainable supply networks.
2. Designing Cross-Continental Innovation Hubs; Strengthening regional and global partnerships to accelerate joint innovation and technology transfer.
3. Transformational Financing; Driving industrial sovereignty through collaborative, forward-focused financial models and innovations.

2025 has been nothing short of extraordinary for me in the corporate/business space; from sharing both physical and virtual platforms with distinguished entrepreneurs and experts, to cancelling two invitations due to my schedule. I don’t take any of it lightly, and I remain deeply grateful to God for the journey so far.

By embracing togetherness both locally and globally, we can shape a future of shared growth, innovation, and industrial transformation. Indeed, the future is bright for Africa.

10/09/2025

Marking another expert-level scientific event this year, I’m deeply honored to be among t at this year's exclusive, by-invitation-only webinar, organized by our Asian corporate partners. Science shapes our daily lives, and to be part of the conversation alongside global experts at an intercontinental level is truly a privilege — exciting, humbling, and inspiring for me.

My young professional career/journey so far has reinforced the vital importance of collaboration in advancing operational systems through the implementation of forward-looking, evidence-based scientific innovations. In just two days, we’ll be unwrapping futuristic scientific innovations behind 'PCR-P Uncovered', and much more.

06/09/2025

In my recent conversations with colleagues and professionals across East, West, and Southern Africa, as well as Asia, one thing is clear: there is a growing readiness to embrace change and take meaningful action. The urgency is palpable. It is time to ask bold, practical questions.

Artificial Intelligence is here to stay and transform. At this summit, we will explore its increasing impact across Africa and how businesses and institutions can adopt it effectively. When conversations are grounded in reality, progress is inevitable.

Africa’s population is projected to surpass 2.5 billion by 2050, with a median age of just 25 - significantly younger than the global median of 36. This youthful demographic presents a powerful advantage. The critical question is: how are we, as young people, preparing to leverage this opportunity?

I’m honored to speak at this year’s Cytek Youth Impact Summit in Kenya, where I will address two important aspects:
1. The silent biases coded in key digital systems that hinder business innovations in an African setup
2. How AI can drive inclusive growth and support Africa’s path to sovereignty; with a focus on East and Southern Africa’s medical services, medtech, and pharmaceutical sectors.

Kenya, see you soon.

04/09/2025

MORE THAN MEETS THE EYE
Two days ago at work, I was approached by a young medical student. "Good morning, sir. You're Dr. Muleya Choongo, right?" she asked. "Yes, I am. How may I help you?" I replied calmly, slowing down to give her my full attention. It was clear something was weighing heavily on her. We stepped aside and stood near one of the supporting pillars along the first-floor corridor at UTH.

She began to speak, as I listened attentively. "I have been looking for you," she said, emotion evident in her eyes. "A friend of mine asked me to talk to you. He told me you ran some businesses while you were still in school and would have a better understanding of my situation, I hope it's alright that I speak with you."

I nodded in approval as she continued talking, "I run a small business to support myself through school. Recently, a friend I was in a separate business partnership with cut ties and left with our capital. It has been incredibly difficult, and I don't know how to cope. To make matters worse, I’m now facing atrocious judgment from some of my peers as I endeavor to change my situation for the better. My academic performance is declining because this is affecting me. Am worried I may not make it. I've never faced anything like this before, and I’m not sure how to handle it."

As she spoke, I was reminded of a season of my own similar struggles during university. I recalled those difficult, formative seasons that nearly every young person experiences; when the world feels unaccepting of your methods, and the pressure to conform becomes overwhelming, especially when you are pouring immense effort into crafting a path that resonates with your deepest interests in life.

You see friends, such experiences highlight a central complexity of life. If you wear nice clothes, someone will say you're pretending to be successful. If you dress simply, they'll call you broke. If you speak your mind, they'll say you talk too much. If you stay quiet, someone will label you shy, incompetent.

When you finally succeed, they'll call you fake. If you are struggling, they'll say you're lazy. If you work too hard, someone will say you're wasting your energy. If you take a break, they'll say you're lazy and undeserving of finer things in life. You ask for help, and they call you weak, incompetent or illiterate. You do it yourself, and they say you think too highly of yourself.

The truth is, no matter what you do, people will always judge you. I’ve come to realize that their judgement is not always about you; it’s about their chosen perception of you and their insecurities about who you might potentially become. That perception is not your responsibility to manage. You cannot spend your life correcting everyone's misconceptions of you. You were not born to please them.

Instead, you must choose to focus on yourself. Commit to your growth and the betterment of your life; with or without anyone’s validation. Seeking approval from others is often the very reason so many fail to reach their full potential. Approval is fleeting; purpose is lasting.

Focus. Lock in. As the old adage goes, "A smooth sea never made a skilled sailor." In the midst of hardship; when people doubt you, when mentors are scarce, when friends desert you, and your partner leaves for someone else - you must remain resilient and steadfast. Let it hurt, but let it shape you.

Take your life seriously. Take it personal. Be intentional about your growth and your personal development. Stay rooted in your vision and never leave God out of it. The rest will follow.

30/08/2025

ON VIOLENT PARTNERS: BEYOND THE RED-FLAGS
Lately, we have witnessed a deeply troubling rise in murder cases among young couples; especially cases of young women being killed by their partners after situations spiral violently out of control.

I recognize that relationships (of any form) are complex, but it is essential to stress the importance of being deeply cautious about whom you allow into your life. Why risk your life by staying with someone who has, time-and-again, shown you signs of violent behavior? isn't that a clear undeniable red-flag? Do not ignore early signs of uncontrolled anger, hoping “he will change.” Because often that's not the case.

Many relationships often have a serene and peaceful beginning, yet true colors often get revealed over time. But where violent behavior resides, early signs are too clear to miss. Most important to note is that the cycle of violent behavior is dangerously familiar; you will notice sudden outbursts, temper tantrums, and threats that escalate from verbal to physical violence with time - followed by sweet but empty apologies. And then you will likely forgive, and foolishly stay.

I am not saying we should easily give up on people, but you must understand that you shouldn’t assume what you hear in the news - a boyfriend killing his girlfriend in a fit of rage - could never happen to you. Because it can. Verbal abuse frequently and often escalates into physical violence. It's usually just a matter of time.

All too often, people - especially some young women - struggle with the idea of being single, even for a short time. They'd often hang on to someone, despite them being subjected to some form of abuse. It’s important to understand this; there is tremendous power in choosing singleness when necessary. It offers clarity, fosters emotional growth, and provides the space to make decisions that align with your well-being and long-term goals. Do not allow the fear of being alone to trap you in a dangerously violent relationship. Your safety and peace of mind are worth far more.

Beyond the red flags, there are tears that will be shed if your partner’s uncontrolled anger leads to your death. Beyond the red flags, there is a void you would leave in the lives of those who love you. Beyond the red flags, you have a life to protect - your own. Be wise. Look past the fear of being single, and choose yourself.

26/08/2025

ISO LOCAL SELLERS
Looking for the following type of trucks in good ready-to-work condition. Two trucks. If you are a supplier or owner looking to sell, kindly drop pictures of the truck(s) in the comment section of this post or DM me directly:
(a) One refrigerated container truck
(b) One non-refrigerated container truck
(c) Tonnage must be between 3 to 5 tonnes
(d) Preferred brands: Dyna/Dutro/Toyoace or Mitsubishi canter

NOTE: Truck(s) must be mechanically fit for commercial use.

21/08/2025

A WEDDING TO FORGET, A DEBT TO REMEMBER
A few days ago, a friend reached out, insisting he meet me about something urgent. He came to my office, and we embraced as brothers. It had been a while since we'd last met for a meaningful conversation. Once we sat down, the truth came out: he needed an urgent financial bailout. The reason? His recent wedding.

To give you some context, about two months before he and his then fiancé (now wife) said "I do," he made a decision that now haunts them. He took out a loan of over K200,000 to fund their wedding in Lusaka. Why? Because his then fiancé (now wife) had insisted on a wedding that her friends and people would “live to remember.” Despite him being honest about his financial limitations, she held her ground, adamant that nothing less than a lavish event would do. The most heartbreaking part? She didn't contribute a single Ngwe herself, and her family's only contribution to the wedding was their presence.

I asked him why he felt so compelled to put himself in such a precarious situation, knowing full-well he had no clear plan to repay that loan. He simply said to me, "I was scared she might leave me if I didn't give her the wedding of her dreams."

I was deeply concerned by his reasoning, and it got me thinking deeply about the state of marriages today. The rising divorce rates are seriously alarming and can feel incredibly discouraging to those of us who are yet to marry. I have watched countless couples who once served as inspirations split up less than a year into their marriage. Yes, we must not solely focus on other people's relationships; but it forces you to wonder, what has really gone wrong?

I see this same anxiety play out on social media, too. Recently, a renowned religious leader posted a warning to women against marrying a man with "akaso". The post was immediately swarmed with comments, mostly from women, in full agreement. While the post's intention might have been valid, the blind support seemed to miss a larger, more nuanced point. This is the danger of half-baked advice from public figures. The concept of "akaso" in such a context is highly subjective and demands a well-thought-out explanation, not just a blanket statement. To be honest, we desperately need well-crafted, thoughtful conversations about marriage, not simplistic soundbites, if we want to build lasting relationships.

As a Seventh-Day Adventist myself, it’s especially troubling to see rising divorce cases within the church. I have three church brothers who married in the last two years, and all are already expressing regret, wishing they had taken more time to really know their partners.

It makes me wonder, "If we are striving for marriage this way, what are we really striving for? Why be driven to pretend to be happy or even lose ypurself in a relationship that is mentally torturing you? Why would you thrive in the midst of obvious red flags your partner flashes in your face, all at the expense of losing yourself in the process? Why do we tend to think our rights are being violated and feel the need to give up on people that really love and care about us, all under the pretext of thinking we can find better people out there? What happened to the spirit of resilience when a relationship proves worth fighting for? What happened to leaving only when there's reason enough to call it quits? Why!"

I think it all circles back to situations like that of my debt-troubled friend. Why marry someone who gives you such clear red flags that they watch you drown in unplanned debt just to please them? Why commit to someone you're so afraid of losing that you'd willingly drown in debt just to please them? In these tough economic times, no one needs a reminder that money is tight. Blowing a huge amount on a single day is arguably the worst financial decision a young couple can make.

My perspective, as an entrepreneur and finance/economics enthusiast, is grounded in practicality. If my finances are tight, I’d rather have the simplest wedding but be able to peacefully feed and take care of my family. A cheap ring, a small guest list, skipping the honeymoon if we have to; it's obvious none of these things are the foundation of a successful marriage. Most of our parents did without extravagant wedding celebrations but have built unions that have lasted more than 30 years.

The smarter plan, in my opinion? Get married within your means, work hard together, talk openly about your individual financial situations, and focus on actually building a life together. Forget about pleasing people who won't even care about the state of your wedding; focus on the long term instead. If you blow your finances, you'll inevitably enter a marriage saddled with choking debt. After that debt-funded extravagant wedding, how will you pay rent, cover other fixed costs, or pay school fees when those bundles of joy (your kids) start coming? Be wise.

If you crave a lavish celebration, be realistic and humble for now. You won't die by simply having a small wedding that you can actually afford. After a few years, when you’re financially stable and truly united, you can renew your vows and take that dream honeymoon exactly the way you wanted. A wedding is just a day; a marriage is a lifetime commitment. It is far wiser to invest in the lifetime.

02/08/2025

When God is in your story, things just fall in the right places at the right time.
Happy Sabbath friends.

20/06/2025

WRESTLING WITH GOD'S PERPLEXITY
One of the stories I love in scripture is that of Jairus, a desperate father and spiritual leader. He falls at Jesus’ feet, begging for his dying daughter’s life. Jesus agrees. Hope flickers for a moment, but then Jesus stops. A bleeding woman touches His robe, and He pauses - calling her forward, speaking life to her. And in that agonizing delay, a moment of waiting for Jesus to attend to His dying daughter, Jairus hears the words that shatter a parent’s soul, “Your daughter is dead.” Can you feel it? The crushing weight? The silent scream, I imagine Jairus telling Jesus, “Why heal a stranger while my child slips away? Where were You?”

Then there’s Hosea. God commands him, “Go, marry a prostitute.” So Hosea weds Gomer. He loves her fiercely. They build a home, have children... and then, she walks away. She sells herself to other men. But God speaks to Hosea, “Go. Buy her back.” I can imagine Hosea’s anguish. The humiliation. The sacred ache as he pays silver and barley to redeem the wife who abandoned him.

In the account of Jairus, Jesus' timing felt like divine cruelty. Yet in the ruins of hope, Jesus turns to Jairus, His voice piercing the despair, “Do not fear; only believe.” Puzzling words from Jesus. Almost impossible to bare. Then Jesus enters the house of mourning, takes the cold hand of death itself, and resurrects the little girl. What seemed like abandonment was infact divine theater. Jesus allowed death so He could shatter it. Blessed is the soul who, when God’s timing feels like betrayal, whispers through the tears, “Only believe, it shall be well.” The miracle after the funeral is always sweeter. When God delays your answer, only believe for it shall be well with you. When His ways shatter your understanding, He is preparing a glory too vast your current vision.

Hosea’s account, to me, isn’t just a love story. It’s a wound laid bare. God uses Hosea’s agony to mirror His own broken heart, “My people have committed adultery against Me.” Hosea’s obedience is a raw altar - a life shattered to showcase a faithfulness deeper than betrayal. Blessed is the one who, when God’s call cuts like a knife, still obeys - knowing their pain is etching Heaven’s relentless love. Sometimes your brokenness is God’s chosen canvas. When He asks you to love what wounds you, to stay true and trust Him when your partner or spouse decides to walk away, to trust when the grave seems final, to honor Him when family is torn apart - love and obey Him anyway. Pray for God's grace to whisper to self, “Even amidst this pain and anguish, I choose to trust You Lord.”

Like Jairus staring at death, like Hosea buying back his wife, like John the Baptist in a prison cell - we all face moments when God’s script seems senseless and very cruel. Those moments when silence screams louder than His promises. But hear this; God’s most painful pauses are not abandonment. They are sacred incubators. Places where fear meets faith, where human understanding dies so resurrection can breathe.

When God pens a story you wouldn’t choose - dare to believe and trust Him still. The final page holds a resurrection beyond your imagination. Grace in this sense is the presence of God in the ruins. When His ways shatter you, believe in Him through those tense moments. He holds your breaking heart, and He holds your glorious end. Only believe.

12/06/2025

At a time when confusion and anarchy threatened to take hold, he could have responded with stern warnings or taken a hardline stance. He could have directed law enforcement to clamp down on those spreading hate and discord. But instead, he chose the higher path - speaking words of love, peace, and unity. In doing so, he is calming the storm not with force, but with wisdom. We thank God for such a leader.

This moment reminds us of the kind of leadership our country truly needs - measured, compassionate, and focused on unity. Just as in business, where the credibility of a CEO or founder directly affects the opportunities and partnerships an enterprise can attract, a country’s leadership determines its standing in the world. Credible leaders bring in greater investment, inspire national confidence, and open doors for citizens, even beyond our borders. That is how important credible leadership is.

His example ignited my utter belief that for Zambia to truly prosper, we cannot allow those with ill intent to take up such important leadership. Politics must no longer be seen as a dirty game to be avoided, because we can redefine the political space with utter intent and purpose. The truth is politics affect us all.

While I may not support everything about our current political climate - especially the presence of violence, President Hakainde Hichilema's calm and constructive approach has always challenged me to reflect deeply. It has shown that true leadership is not about power displays, but about guiding people toward peace, unity, and progress. My desire and aspiration to one day be president of this great nation has always been strengthened by this kind of leadership. Dear friends, this country is ours, at the right time we must aspire to be involved.

Too often, capable individuals watch from the sidelines while the country is mismanaged. But examples like his reignite hope and remind us that we must step up when needed, for the sake of our nation’s progressive future.

Love over hate. Peace over chaos. Unity above division. We deeply appreciate and salute you, sir. 🙏🏼

Dr. Muleya Mwami Choongo

24/11/2025

29/10/2025

10/09/2025

06/09/2025

04/09/2025

30/08/2025

26/08/2025

21/08/2025

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20/06/2025

12/06/2025

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