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Our Accounting Family

Our team of certified accounting professionals work tirelessly to bring you the accounting assurance you deserve. We are committed to our clients, helping them work and live without worrying about their financial management concerns. Schedule a consultation today and see what tax and accounting services we can offer you.

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Monika Kumar


Monika Kumar has been the backbone of Amazon Associates 

Monika is an accountant and auditor with over twenty three years of audit experience. Most of this was acquired from auditing at Coopers and Lybrand and then Grant Thornton. Monika began her career as an Audit senior in 1990. In 1991 she was promoted to Audit Supervisor, and then Audit Manager in 1994. In 2000 she left Grant Thornton (formerly Coopers and Lybrand) to go to New Zealand where she was sub contracting her services to a Chartered accountancy firm specializing in providing audit services to NGOs. Monika came back to Zambia in 2004 and joined M T Ncube and Associates as Senior Audit Manager where she worked up until 2005 and then proceeded to start her own practice.  

She has extensive experience in many sectors of the economy including financial, hospitality, manufacturing, trading and commercial. She has successfully setup and reviewed accounting systems for various sectors of the economy. She has also carried out numerous audit assignments as external and internal auditor. She has also worked on various commercial and non-profit making organizations, as an auditor and financial consultant.

Monika has attended various courses organized by Grant Thornton and Coopers and Lybrand locally and internationally.   

Monika is a Fellow Member of Chartered Institute of Management Accountants and Zambia Institute of Chartered Accountants. Monika also holds a practicing certificate from Zambia Institute of Chartered Accountants.

Amazon Associates provides you an opportunity to draw on combined experience of almost fifty years.




P. O. BOX 32001


Mobile : +260 953 537780

Mobile : +260 955 766618

Mobile: +260 975 766618

Mobile : +260 968 766618

Email : or

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A.L Francis (Alf)


Alf is a director with over forty years experience working with clients in a wide variety of industries and professions.

Alf was a director in Coopers and Lybrand Associates Limited and then Grant Thornton Associates Limited for over twenty years in the Business Services Department.




P. O. BOX 32001


Mobile : +260 953 537780

Mobile : +260 966 676807

Email :  or

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Miza Phiri

Senior Audit Manager

Miza is the firm’s Senior Audit Manager with vast experience in auditing. Miza has audited clients from various sectors of the economy including: non-profit organizations, motor trade, manufacturing, banking, media, agriculture, education and corporate recovery.  Major duties on his assignments included project planning, supervision of staff, preparation of financial and management reports, evaluation of internal controls, identification of weaknesses and providing feasible recommendations for improvements.  Project audit experience involved evaluation of the project terms and adherence to project finance conditions including budgets agreed with the donors and reporting requirements.

He also has been involved in quality review of member firms of Grant Thornton in Namibia and Mozambique while working as Senior Audit Manager at Grant Thornton.

He received training in automated audits in South Africa on AuditCare, the Grant Thornton developed software application for documenting, evaluating and testing internal controls.

Miza also holds wide experience with liquidations, receiverships and due diligence assignments.

He is a student member of both the Association of Chartered and Certified Accountants (ACCA) and The Chartered Institute of Management Accountants (CIMA).




P. O. BOX 32001


Mobile : +260 966 039933


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John Njapawu

Associate Consultant

John Njapawu is our associate tax consultant. John has 23 years tax practice experience with two of the country’s largest accounting and audit firms. John experience is spread over the following areas:

  • Corporate taxation

  • Personal taxation

  • Value added tax

  • Withholding tax

  • Tax planning

John holds a Bachelors Degree from University of Zambia. Professionally, he trained as an inspector of taxes and worked for the Department of Taxes (Ministry of Finance), where he rose to the post of Senior Inspector of Taxes.

John also has a diploma in Tax Policy and Administration from Harvard University and Certificate in Tax policy and Administration from University of South California.

He has attended courses and seminars in International taxation organized by Coopers and Lybrand and Grant Thornton International in South Africa and the Netherlands.

Our Team: Meet the Team
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