Guide for focus group discussion with community members from Nkhulambe village in

Phalombe

My name is James Weremu a fourth year Bachelor of Arts in Security Studies student of Mzuzu
University. A research project is one of the requirements for the award of Bachelor’s Degree. As
such I am conducting a research project titled: Effects of floods on food security in phalombe
case study of Nkhulambe Village. Therefore, would like to ask you some questions relating to
effects of floods on food security

INSTRUCTION
The information to be collected will be solely used for academic purposes and your responses
will be treated confidentially. Feel free to express your ideas

Cell:0883454425/0997929755
Email:jamesweremu@gmail.com
No. of participants …………………………………………………………………………….
Place of interview …………………………………………………………………………….
Date of interview ……………………………………………………………………………...

For the purpose of this study Flood is commonly defined as part of the natural water cycle or a
hydrological cycle caused by the unusual presence of water on land to a depth, affecting normal
activities (Alderman,et al., 2012). Food security is a situation that exists when all people, at all
times, have physical, social and economic access to sufficient, safe and nutritious food that meets
their dietary needs and food preferences for an active and healthy life security (Pirani, 2016).

A. To assess the immediate impact of floods on food availability in Nkhulambe Village

1. Can you describe how floods have affected your food availabilty?
2. What strategies have you used in the past to mitigate the impacts of floods on food
availability?
3. Do you feel that there are any specific interventions that could be implemented at the
community level to help mitigate the impacts of floods on food availability? If so, what
would these interventions look like?
4. Are there any government or non-government organizations currently working on
initiatives related to disaster risk reduction and food security? If so, what are these
initiatives and how effective have they been thus far?
5. What role do you feel community members should play in preparing for and responding
to flood events that may impact food availability? What resources or support do you feel
would be necessary for effective community response efforts?
6. Looking forward, how do you think climate change may impact food availability in
Nkhulambe Village over the next decade? What strategies do you think will be necessary
for ensuring long-term food security under these?
7. ……………………………………………………………………………..
B. To Evaluate the short-term effects of floods on food access in Nkhulambe village
1. How has the recent flooding in Nkhulambe Village impacted your access to food?
……………………………………………………………………………………..
2. What specific challenges have you faced in obtaining food following the floods?
………………………………………………………………………………………..
3. Have you noticed any changes in the availability or affordability of food items since
the flooding occurred?
………………………………………………………………………………………..
4. How has the flood affected local markets and sources of food supply in Nkhulambe
Village?
……………………………………………………………………………….
5. In what ways do you think the community can better prepare for future flood events
to ensure continued access to food?
............................................................................
C. To Investigate the long-term consequences of floods on food utilization in
Nkhulambe Village.
1. How have floods affected food utilization in Nkhulambe Village over the years?
.................................................................................................
2. In what ways have floods impacted the storage and preservation of food in the
community?
,…………………………………………………………………………………………
 3. Have there been noticeable changes in the types of crops grown post-flooding events in
Nkhulambe Village?
………………………………………………………………………………………………
4. Have there been any shifts in traditional food preparation methods due to flood-related
disruptions?
..................................................................................................
5. How has the nutritional status of individuals in N been affected by long-term flood
consequences on food utilization………………..

Thank you for your participation

Guide for In-depth interview with District Council officer in Phalombe.

My name is James Weremu , a fourth year Bachelor of Arts in Security Studies student of Mzuzu
University. A research project is one of the requirements for the award of Bachelor’s Degree. As
such I am conducting a research project titled: Effects of floods on food security in phalombe;
Case study of nkhulambe village. Therefore, would like to ask you some questions relating to
effects of floods on food security.

INSTRUCTION

The information to be collected will be solely used for academic purposes and your responses

will be treated confidentially. Feel free to express your ideas

Cell:0883454425/0997929755

Email: jamesweremu@gmail.com

No. of participants …………………………………………………………………………….

Place of interview …………………………………………………………………………….

Date of interview ……………………………………………………………………………..

For the purpose of this study Flood is defined as part of the natural water cycle or a hydrological
cycle caused by the unusual presence of water on land to a depth, affecting normal activities
(Alderman,et al., 2012). Food security is a situation that exists when all people, at all times, have
physical, social and economic access to sufficient, safe and nutritious food that meets their
dietary needs and food preferences for an active and healthy life security (Pirani, 2016).

A. To assess the immediate impact of floods on food availability in Nkhulambe

Village
1. Can you provide an overview of the recent floods that occurred in Nkhulambe Village?
2. What role does the District Council play in responding to natural disasters like floods?
3. What challenges have you encountered in assessing the impact of floods on food
availability?
4. Are there any strategies in place to address these challenges?
5. How is the District Council working towards building resilience against future flood
events?
B. To Evaluate the short-term effects of floods on food access in Nkhulambe village
1. How has the flood impacted the ability of villagers to access food?
2. Has there been any external assistance provided to support food access?
3. How is the District Council do to address food access challenges
C. To investigate the long-term consequences of floods on food utilization in
Nkhulambe Village.
1. What are the key factors influencing the current food utilization practices in the
village after the flood event?
2. How has the community coped with the challenges of food utilization and
nutrition following the floods?
3. What interventions or support programs have been implemented to address food
security issues after the floods?

Thank you for your participation

Guide for In-depth interview with Officers from World Food Programme in phalombe

My name is James Weremu, a fourth year Bachelor of Arts in Security Studies student of Mzuzu
University. A research project is one of the requirements for the award of Bachelor’s Degree. As
such I am conducting a research project titled: Effects of floods on food security in phalombe;
case study of Nkhulambe Village. Therefore, would like to ask you some questions relating to
effects of floods on food security.

INSTRUCTION

The information to be collected will be solely used for academic purposes and your responses

will be treated confidentially. Feel free to express your ideas

Cell: 0883454425/0997929755

Email:jamesweremu@gmail.com

No. of participants …………………………………………………………………………….

Place of interview …………………………………………………………………………….

Date of interview ……………………………………………………………………………...

For the purpose of this study Flood is defined as part of the natural water cycle or a hydrological
cycle caused by the unusual presence of water on land to a depth, affecting normal activities
(Alderman,et al., 2012). Food security is a situation that exists when all people, at all times, have
physical, social and economic access to sufficient, safe and nutritious food that meets their
dietary needs and food preferences for an active and healthy life security (Pirani, 2016).

A. To assess the immediate impact of floods on food availability in Nkhulambe

Village
1. How did the floods impact the availability of staple foods?
2. What were the main coping strategies adopted by households in Nkhulambe Village to
deal with the food shortages?
 3. What types of emergency food assistance were provided by the World Food Programme
and other agencies?
4. Did the food assistance adequately meet the immediate food needs of the affected
population?
5. What were the key challenges or gaps in the emergency food response?
B. To Evaluate the short-term effects of floods on food access in Nkhulambe village
1. What are challenges customers face when accessing mobile financial services?
2. How does TNM address these barriers within its network infrastructure?
3. How does TNM collaborate with local stakeholders to foster financial inclusion?
C. To investigate the accessibility to financial services in Mzuzu City
1. What strategies has TNM implemented to enhance accessibility and bridge any existing
gaps in service provision?
2. How does TNM adapt its service delivery to accommodate diverse customer needs?
3. How does TNM collaborate with community to enhance service accessibility?

Thank for your participation

Guide for In-depth interview with Officers from Airtel Malawi at Mzuzu Service Center/
Branch

My name is Blessings Chimutu, a fourth year Bachelor of Arts in Security Studies student of
Mzuzu University. A research project is one of the requirements for the award of Bachelor’s
Degree. As such I am conducting a research project titled: Challenges of mobile money fraud
on financial inclusion in Mzuzu City. Therefore, would like to ask you some questions relating
to mobile money fraud in Mzuzu.

INSTRUCTION

The information to be collected will be solely used for academic purposes and your responses
will be treated confidentially. Feel free to express your ideas

Cell:0882398161/0993026396

Email:blessingschimutu@gmail.cm

No. of participants …………………………………………………………………………….

Place of interview …………………………………………………………………………….

Date of interview ……………………………………………………………………………...

For the purpose of this study Mobile money fraud refers to any deceptive or illicit activity
conducted through mobile money platforms (Zhdanova, et al., 2014) while Financial Inclusion
defined as a process of delivering banking services and products at an affordable cost, to the
large sections of disadvantaged and low-income groups (Reserve Bank of India, 2011).
A. To examine types of mobile money fraud in Mzuzu City

1. What are most prevalent types of mobile money fraud reported at your office?

2. How do these fraudulent activities typically manifest within your network?

3. Are there any specific method that stand out?

4. How does Airtel collaborate with law enforcement to address these challenges
effectively?

B. To identify the key barriers to financial inclusion in Mzuzu City

1. What are challenges customers face when accessing mobile financial services?

2. How does Airtel address these barriers within its network infrastructure?

3. How does Airtel collaborate with local stakeholders to foster financial inclusion?

C. To investigate the accessibility to financial services in Mzuzu City

1. What strategies has Airtel implemented to enhance accessibility and bridge any existing
gaps in service provision?

2. How does Airtel adapt its service delivery to accommodate diverse customer needs?

3. How does Airtel collaborate with community to enhance service accessibility?

Thank for your participation

Guide for In-depth interview with Officers from Standard Bank at Mzuzu Service Center/
Branch

My name is Blessings Chimutu, a fourth year Bachelor of Arts in Security Studies student of
Mzuzu University. A research project is one of the requirements for the award of Bachelor’s
Degree. As such I am conducting a research project titled: Challenges of mobile money fraud
on financial inclusion in Mzuzu City. Therefore, would like to ask you some questions relating
to mobile money fraud in Mzuzu.

INSTRUCTION

The information to be collected will be solely used for academic purposes and your responses
will be treated confidentially. Feel free to express your ideas

Cell:0882398161/0993026396

Email:blessingschimutu@gmail.cm

No. of participants …………………………………………………………………………….

Place of interview …………………………………………………………………………….

Date of interview ……………………………………………………………………………...

For the purpose of this study Mobile money fraud refers to any deceptive or illicit activity
conducted through mobile money platforms (Zhdanova, et al., 2014) while Financial Inclusion
defined as a process of delivering banking services and products at an affordable cost, to the
large sections of disadvantaged and low-income groups (Reserve Bank of India, 2011).

A. To examine types of mobile money fraud in Mzuzu City

1. What are most prevalent types of mobile money fraud reported at your office?

2. How do these fraudulent activities typically manifest within your network?

3. Are there any specific method that stand out?

4. How does Standard Bank collaborate with law enforcement to address these challenges
effectively?

B. To identify the key barriers to financial inclusion in Mzuzu City

1. What are challenges customers face when accessing mobile financial services?

2. How does Standard Bank address these barriers within its network infrastructure?

3. How does Standard Bank collaborate with local stakeholders to foster financial
inclusion?

C. To investigate the accessibility to financial services in Mzuzu City

1. What strategies has Standard Bank implemented to enhance accessibility and bridge any
existing gaps in service provision?

2. How does Standard Bank adapt its service delivery to accommodate diverse customer
needs?

3. How does Standard Bank collaborate with community to enhance service accessibility?

Thank for your participation

Guide for In-depth interview with Officers from Mukuru at Mzuzu Service Center/ Branch

My name is Blessings Chimutu, a fourth year Bachelor of Arts in Security Studies student of
Mzuzu University. A research project is one of the requirements for the award of Bachelor’s
Degree. As such I am conducting a research project titled: Challenges of mobile money fraud
on financial inclusion in Mzuzu City. Therefore, would like to ask you some questions relating
to mobile money fraud in Mzuzu.

INSTRUCTION

The information to be collected will be solely used for academic purposes and your responses
will be treated confidentially. Feel free to express your ideas

Cell:0882398161/0993026396

Email:blessingschimutu@gmail.cm

No. of participants …………………………………………………………………………….

Place of interview …………………………………………………………………………….

Date of interview ……………………………………………………………………………...

For the purpose of this study Mobile money fraud refers to any deceptive or illicit activity
conducted through mobile money platforms (Zhdanova, et al., 2014) while Financial Inclusion
defined as a process of delivering banking services and products at an affordable cost, to the
large sections of disadvantaged and low-income groups (Reserve Bank of India, 2011).

A. To examine types of mobile money fraud in Mzuzu City

1. What are most prevalent types of mobile money fraud reported at your office?

2. How do these fraudulent activities typically manifest within your network?

3. Are there any specific method that stand out?

4. How does Mukuru collaborate with law enforcement to address these challenges
effectively?

B. To identify the key barriers to financial inclusion in Mzuzu City

1. What are challenges customers face when accessing mobile financial services?

2. How does Mukuru address these barriers within its network infrastructure?

3. How does Mukuru collaborate with local stakeholders to foster financial inclusion?

C. To investigate the accessibility to financial services in Mzuzu City

1. What strategies has Mukuru implemented to enhance accessibility and bridge any
existing gaps in service provision?

2. How does Mukuru adapt its service delivery to accommodate diverse customer needs?

3. How does Mukuru collaborate with community to enhance service accessibility?

Thank for your participation

Guide for In-depth interview with Officers from Finca at Mzuzu Service Center/ Branch

My name is Blessings Chimutu, a fourth year Bachelor of Arts in Security Studies student of
Mzuzu University. A research project is one of the requirements for the award of Bachelor’s
Degree. As such I am conducting a research project titled: Challenges of mobile money fraud
on financial inclusion in Mzuzu City. Therefore, would like to ask you some questions relating
to mobile money fraud in Mzuzu.

INSTRUCTION

The information to be collected will be solely used for academic purposes and your responses

will be treated confidentially. Feel free to express your ideas

Cell:0882398161/0993026396

Email:blessingschimutu@gmail.cm

No. of participants …………………………………………………………………………….

Place of interview …………………………………………………………………………….

Date of interview ……………………………………………………………………………...

For the purpose of this study Mobile money fraud refers to any deceptive or illicit activity
conducted through mobile money platforms (Zhdanova, et al., 2014) while Financial Inclusion
defined as a process of delivering banking services and products at an affordable cost, to the
large sections of disadvantaged and low-income groups (Reserve Bank of India, 2011).

A. To examine types of mobile money fraud in Mzuzu City

1. What are most prevalent types of mobile money fraud reported at your office?

2. How do these fraudulent activities typically manifest within your network?

3. Are there any specific method that stand out?

4. How does Finca collaborate with law enforcement to address these challenges
effectively?

B. To identify the key barriers to financial inclusion in Mzuzu City

1. What are challenges customers face when accessing mobile financial services?

2. How does Finca address these barriers within its network infrastructure?

3. How does Finca collaborate with local stakeholders to foster financial inclusion?

C. To investigate the accessibility to financial services in Mzuzu City

1. What strategies has Finca implemented to enhance accessibility and bridge any existing
gaps in service provision?

2. How does Finca adapt its service delivery to accommodate diverse customer needs?

3. How does Finca collaborate with community to enhance service accessibility?

Thank for your participation