By George Mponda

Karonga November 6, Mana: Beneficiaries of the Social Cash Transfer Programme (SCTP) in Karonga have praised the e-payment method for its convenience, ease of use, and accessibility.

During a spot check on Tuesday, beneficiaries expressed satisfaction with the method after receiving funds for July to October in their TNM Mpamba accounts.

Seth Mwainyekule, a beneficiary from Group Village Head Mwangulukuru, highlighted the security and privacy features of the e-payment method.

"Previously, when we received cash, everyone in the village knew about it since we had to gather at one place. But now, I received my money at 9:00 pm in the comfort of my own home, and only my family knew about it after I informed them that I had received K60,000," said Mwenyekule.

Sikitu Mwaibasa, another beneficiary from Iponga, commended the use of TNM debit cards, saying they have made shopping easier.

 "When I go shopping in town, I simply swipe my TNM debit card to make payments. I no longer need to carry cash, which could be stolen. Even if someone snatches my phone or debit card, they can't access my money without my PIN code," Mwaibasa said.

Principal Social Welfare Officer for Karonga District Council, Tionge Mbale said the e-payment method has lowered costs and saved the council money used during pay parades.

"We no longer travel with a lot of cash going around in communities disbursing money to beneficiaries which was also risky on our part because we could easily be targeted by thieves. These days, beneficiaries receive money in their phones and if there are some who are skipped, we have a grivance mechanism system which sorts out such issues" said Mbale. 

The SCTP, locally known as Mtukula Pakhomo, aims to provide a safety net for the most vulnerable and ultra-poor Malawians, helping them meet their basic needs and build resilience. The ultimate goal is to build human capital and move them out of poverty.