Coalition for Market and Liberal Solutions

Coalition for Market and Liberal Solutions Property rights are a critical component of a free market economy. At COMALISO, we advocate for a truly free market economy that upholds property rights.

Guard Your Property Jealously. Not All Title Deed LOANS Are Good for YouAt COMALISO, we have always stressed that title ...
28/09/2026

Guard Your Property Jealously. Not All Title Deed LOANS Are Good for You
At COMALISO, we have always stressed that title deeds help home and farm owners secure loans, credit (chikwereti, iskweledi) when you need money to improve your life or business. This is true. That is why many banks and micro-finance companies invite property owners to borrow money using title deeds. However, not all title deed loans are good for you. Consider the following BEFORE you cede your valued title deeds against a loan:
1. Interest rates and other hidden fees
Ask yourself: how much will this loan actually cost me by the time I finish repaying it? Companies that lend you money charge insurance, initiation fees, legal fees for registering a bond, valuation fees, and penalty structures for late payments. Ensure you know what these costs are and if they are worth paying for. Interest rates add to the cost of your loan.
2. Repayment versus income
Your income – whether it is a salary or business - determines your ability to pay back the loan. Remember you must pay back something every month, so if you skip payments, or you lose your income, you may fail to pay back the loan then lose your property. So, it is not about the value of your property only, but your ability to pay back every month.
3. Power to sell clauses
A company or bank that lends you money has legal power to sell your property if you default or fail to pay back your loan. These ‘powers’ are even registered with the Deeds Office, so when you sign a loan agreement, read and understand all conditions that take away your power to prevent sale of your property. Everything must be done according to the law – only if you read and understood!
4. Credibility of the institution
Not all companies or individuals that claim to offer loans are genuine. Some are for chimbadzo / matshonisa, so before you cede your title deeds, verify that a lender has a license through national registries or central bank. It is your right to demand that licence. Do this even if you are buying a property – we call this ‘due diligence’. Always first prove that the person, institution or developer selling you a property actually owns that property.
5. Value of property versus amount of loan
When you cede your property for a loan, ensure that you consider the value of your property compared to the amount you are borrowing. In other words, do not borrow say US$10 000 against your property that is worth US$50 000 because if you fail to pay back, you lose a very valuable property against a ‘sick’ loan. In this business, this is what they call ‘Loan-to-Value’. This measures the loan amount compared to the value of the property pledged as security. Izvo zvinoita here / kuyenza na to pledge a car worth US$5 000 for a loan of US$1000? Even kumusha / ekhaya, you cannot borrow say US$100 by giving someone your scotch cart worth US$800 as security. Hazvimeke sense.
6. ‘No deposit’ loans
There are many advertisements that invite you to get a loan without a deposit. Others say just bring your salary slip, bank statement etc. then you get money. People who grew up kumusha / ekhaya know that when you are fishing, you use a worm to attract fish. In the credit business, there is nothing called ‘zero’. Always enquire the real cost of a loan, even if you are told there is a ‘zero deposit’. Deposit usually reduces the cost of the loan by guaranteeing a shorter payback period.
Conclusion
Yes, at COMALISO we encourage everyone who has a house, stand, farm to register for title deeds because it offers secure tenure. You can also use title deeds to borrow money to improve the value of your life, send children to school or buy farm inputs. But look after your title deeds by not just borrowing money zvenhando / mahlayana, because not all loans are safe. Besides not all companies that offer loans are genuine.
If you have more questions just WhatsApp COMALISO on +263 772 256 326. Akuruma zheve ndewako. Better be safe than sorry.

DUE DILIGENCE, ACCOUNTABILITY AND SHELTER RIGHTS SAFETY NET DEMANDED AMIDST WAVE OF PROPERTY DEMOLITIONSRUWA, Sunday, 30...
30/08/2026

DUE DILIGENCE, ACCOUNTABILITY AND SHELTER RIGHTS SAFETY NET DEMANDED AMIDST WAVE OF PROPERTY DEMOLITIONS

RUWA, Sunday, 30 August 2026 – The Coalition for Market and Liberal Solutions ( COMALISO ) is concerned by ongoing property demolitions across Zimbabwe. Whilst we believe in protecting the rights of those whose land is illegally invaded or allocated by rogue elements, we are aggrieved by devastating impact such demolitions inflict on innocent communities, families and vulnerable citizens.

The State is obliged to enforce lawful land use and building regulations, yet we firmly assert that due diligence, transparency and accountability precede any demolition exercise. The rights of citizens to secure shelter, dignity and procedural fairness are constitutionally protected and must be respected without fear or favour.

The scale and pace of recent demolitions leaves communities in extreme states of shock and despair. Ongoing demolitions violate Section 74 of the Constitution of Zimbabwe, which prohibits arbitrary home demolitions, and undermine Section 28, which recognises the right to shelter and prohibits arbitrary deprivation thereof. These laws protect citizens, not land barons and rogue property developers who seem immunised from the shock and are left to enjoy their ill-gotten loot.

COMALISO therefore propose a multi-stakeholder intervention consisting of representatives of government departments, local authorities, legal sector, human rights organisations and residents’ associations. This joint ‘secure shelter team’ must be authorised to visit all areas currently targeted for demolitions for an on-the-ground verification of legitimacy and legality of such demolitions. The ‘secure shelter team’ will also ascertain magnitude of shelter and property rights violations already suffered, particularly extent and propensity of displacement.

We are concerned by lack of safeguards to protect innocent children, older persons, persons with disabilities and other vulnerable members of affected communities. COMALISO therefore prays that no further demolitions proceed without a clear, operationalised "shelter rights safety net" guaranteeing alternative accommodation, adequate notice, fair compensation where applicable, and psychosocial support for those already displaced and homeless.

The proposed multi-stakeholder assessment must be allowed to complete its task and proffer suitable recommendations appropriate for both victims and offenders. In pursuing this mission, COMALISO hopes to advance a cause that ensures Zimbabwe's shelter policies reflect values of justice, humanity and the rule of law. When we argue for title deeds in both urban and rural areas, it is on the basis of systematic regularisation of ownership that does not expose citizens to fraudulent property acquisition and insecure shelter. After all, every Zimbabwean life matters. Dignified, secure, safe and unbreachable property ownership in urban, rural and farming areas is now non-negotiable. What are we waiting for in this noble cause?

If you want to be part of and fund this urgent ‘secure shelter team’, contact COMALISO on WhatsApp +263 772 256 326.

Here's the file "Entrepreneurship and Innovation Harnessing African Creative Energy for Development.pdf" for your review...
30/07/2026

Here's the file "Entrepreneurship and Innovation Harnessing African Creative Energy for Development.pdf" for your review.
https://acrobat.adobe.com/.../urn:aaid:sc:eu:df720ccf...
Let's Focus. This thesis is a long read, presented for peer discussion at the George Ayittey members forum on 29 July 2026, Accra, Ghana. See less

Register that Land!Those who read the Holy Bible will know that God always mentioned the issue of land ownership. “This ...
29/06/2026

Register that Land!

Those who read the Holy Bible will know that God always mentioned the issue of land ownership. “This is your land…” was His key phrase. But can it be ‘your land’ if you have no modern, secure and safe Title Deeds? This is the message that COMALISO likes to ‘preach’ in your church, in your school, in your club, in your bar, in your company, at your retreat, at your wedding. It matters not where your land is – city, town, urban low density, urban high density, housing co-operative, informal settlement, commercial farm, growth point, rural area – believe me, as long as you don’t have modern, secure and safe Title Deeds, you can only claim to ‘occupy’ but not to ‘own’ your land. Invite us today for a frank talk!
Rejoice Ngwenya is the director of COMALISO, the property rights people.

A large unwieldy government comes with a high cost especially to the poor Zimbabwean citizens.
25/03/2026

A large unwieldy government comes with a high cost especially to the poor Zimbabwean citizens.

Free market economics is a hugely misunderstood in Zimbabwe, always associated with ‘evils of capitalism’ and corruption...
10/03/2026

Free market economics is a hugely misunderstood in Zimbabwe, always associated with ‘evils of capitalism’ and corruption. Citizens tend to confuse between ‘crony’ and ‘liberal’ capitalism, falling into the trap of socialist rhetoric that ‘profit is evil’; ‘capitalists are selfish’; and ‘government has an obligation to run State companies so that goods and services remain affordable’. Some academics even spread the myth that "it is not good for property to be owned by individuals, especially in rural areas". Economics, business and social commentary journalists who fail to comprehend the virtues of free market economy cannot adequately explain in writing benefits of such an amazing ideology. Now that technologies like AI and 5G are at our disposal, we need to find the best way of spreading the virtues of market freedom, if not to the remotest parts of our country – through informed, objective, simple writing inspired by mature journalism.

If you are a trained full time or freelance journalist keen to share ideas with other media and communication experts – assuming, of course you already have proven online footprints and a passion for freedom - enroll for our half-day forum and interact with high-level professionals to enhance your marketability. Registration fee only US$20 to cover morning teas, lunch, a drink, attendance certificate and our free-market economics book.

Laws Can and Must Change … But Only For Good CauseTime flies! Only ‘yesterday’, it was New Year, yet Easter already beck...
08/03/2026

Laws Can and Must Change … But Only For Good Cause

Time flies! Only ‘yesterday’, it was New Year, yet Easter already beckons. Once it is Good Friday, Independence Day is nigh and before you blink, Labour Day, Africa Day, then August Heroes Days looms. By then, Year 2026 is tottering on proverbial extinction. At which time I usually ask myself: how far have my January 2026 objectives gone?

This year, at COMALISO we set ourselves to persuade our Government, Local Authorities and Traditional Leaders that laws on rural land ownership must be changed. Rural land is communal i.e. ‘owned by everyone’ however Government exerts control through traditional leaders. Unless you own property at a Growth Point, you cannot have title deeds in rural areas. Ten million citizens are rural, so implications of these laws are catastrophic, given our liberation war was about OWNERSHIP, not OCCCUPATION. Laws must change - for the good of our people.

In 1980, the Lancaster House Constitution served new laws for our freedom. In 2000, our Government changed commercial farm ownership laws to benefit indigenous Zimbabweans. We changed the Constitution 2013 to make it more democratic. Today, our Government seeks to change terms of office of both President and Parliament. Therefore laws change all the time.

Why am I stressing this?

A friend wants to build a school and clinic in her rural area. The Village Head insists investments will be public properties after completion. This applies to every investor in rural areas and there is legal precedence. She forwarded me a case entitled: “LANDMARK RULING: RURAL DISTRICT COUNCILS CANNOT SELL COMMUNAL LAND”

It says, “Madzivanyika & Anor v Buhera RDC & Ors (HH 493-24) … the High Court nullified a deal where the Buhera Rural District Council sold 40 hectares of communal land in Madzivanyika Village to a private trust”, because “The Communal Land Act [Chapter 20:04], Section 4 (Vesting of Land): All communal land is vested in the President of Zimbabwe. It is held in trust for the communal communities. Councils do not hold "title" to sell this land.” Moreover, the Traditional Leaders Act [Chapter 29:17], Sections 26–28 also confirms that “while Chiefs and Village Heads are custodians of the land and assist in allocation, they are legally barred from selling or "disposing" of communal land.” These laws also derive power from the Constitution, affirming that communal “land remains state-controlled and cannot be traded by local authorities as private property.”

If rural citizens cannot buy, sell, exchange and own land, it means there can never be title deeds-leveraged investment in two thirds of our country. This tragedy is of heinous proportions! Ten million rural citizens survive from subsistence farming in a country endowed with natural resources. There are no factories, shopping malls, sports academies, tarred roads, solar farms, restaurants, banks and technical colleges in our rural areas. Yet if our Government, through Constitution Amendment Number 3 can change not just terms of office but electoral cycles, then both Communal Land Act [Chapter 20:04], Section 4 (Vesting of Land) and Traditional Leaders Act [Chapter 29:17], Sections 26–28 must be repealed. This ‘allows’ ten million rural Zimbabweans to buy, sell and exchange land in order to exploit title deeds. Such freedom will attract billions of US dollars’ worth of investment, transforming their lives for the better, forever. Would such change of laws this year not be good for our country?

I am Rejoice Ngwenya, your Friend-in-Freedom.
Sunday, 8 March 2026, Ruwa, Zimbabwe.

SAD DAY - Today afternoon, Sunday, 15 February 2026, Zimbabwe's media and human rights fraternity will lay to rest iconi...
15/02/2026

SAD DAY - Today afternoon, Sunday, 15 February 2026, Zimbabwe's media and human rights fraternity will lay to rest iconic charismatic broadcaster John Masuku. Throughout the short life cycle of COMALISO, John was one of the few, if not the only broadcaster who gave us full, free exposure to introduce to the nation the nature, implications and magnitude of property rights. I made a commitment to him once that one day ALL Zimbabwean homeowners - urban, peri urban, commercial, industrial, farming and rural - would enjoy an opportunity and right to have full ownership of their immovable property through title deeds. In our radio programs, John would inadvertently make it difficult for me to explain the complexity of private property ownership in our isiNdebele mother language. "Babu Ngwenya," he would begin with his beaming broad smile, "akuchasisele umphakathi ngesintu ukuthi amaTitle Deeds atshoni." Good Lord! It was from this experience - supported by isiNdebele language guru Biseyi Mangena -that COMALISO was able to produce thousands of isiNdebele language posters and flyers extolling the virtues of title deeds. We therefore want to pay tribute to our departed colleague by saying "John, it was great knowing you, that boy from Highfields who took on broadcasting in the 1960s when life for African Zimbabweans was tough. Thank you, bro and goodbye!"

Secure rural tenure, more investment.
12/01/2026

Secure rural tenure, more investment.

Address

Nicoz Diamond Road
Ruwa
N/A

Telephone

+263772256326

Website

Alerts

Be the first to know and let us send you an email when Coalition for Market and Liberal Solutions posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category