About Zambia Sugar Plc

Zambia Sugar Plc is an ABF Sugar Company and the leading sugar producer in Zambia. Its main activities are the growing of sugar cane, the production and marketing of sugar, and other sugar downstream products.

The company invites applications from suitably qualified and experienced people to fill the following position in the Safety & Risk Department.

Key Responsibilities

• Co-ordinate and facilitate Fire Safety risk assessments, and work with operations to develop best mitigation plans.
• Support the explosive atmosphere Fatal Risk Champion.
• Coach and guide management in the assessment, management and continuous improvement of Fire Safety and response performance.
• Maintain and review the Fire Risk Register.
• Participate in and support emergency drills and simulations. Provide technical input on emergency response equipment suitability and exposure risks. Work closely with fire and emergency response teams during preparedness and post-incident reviews.
• Facilitate Fire Safety investigations and coordinate the verification of closeout actions.
• Create Fire Safety awareness using various fit-for-purpose media, such as toolbox talks, noticeboards and electronic media.
• Conduct inspections and internal audits to oversee and ensure adherence to legislative, MRG and NOSA requirements.
• Maintain the Mutual Guidance standards (MRG) on Fire and external assurance systems by creating and updating procedures, communicating changes to procedures and auditing compliance.
• Develop monitoring schedules to ensure compliance with statutory requirements for Fire and occupational hygiene.
• Compile Fire Safety management reports.
• Coordinate effective testing of emergency response protocols.
• Track closeout of actions in Info Exchange and Riskonnect, and facilitate effective closeout.
• Create awareness of fire safety in communities who live on and use the estate, including schools and boundary villages, through developing and delivering pamphlets, talks and other awareness activities.
• Promote and adhere to ABF's procedures, policies and guidelines, including those relating to SHERQ, Competition Law, and Anti-Bribery and Corruption (ABC).

Minimum Requirements

• Full Grade 12 Certificate.
• Diploma in Fire Engineering or a related discipline, or Risk Management or a related area, with a SAMTRAC or NEBOSH qualification. An auditor qualification is an advantage.
• Preferably 3–5 years' experience in an operational environment, such as a factory or agriculture, working in a health and safety role.
• Training in First Aid, Proto and Fire Prevention is an added advantage.
• Knowledge of relevant safety and health legislation and regulatory requirements.
• Ability to plan, organise and track activities for self and others.
• Problem-solving and analytical skills.
• Administrative ability and attention to detail.
• Sound interpersonal and communication skills to convey information effectively and influence others.
• Report-writing skills and ability to coach and facilitate learning.
• Skills in Microsoft Office.
• Fire risk awareness and understanding of emergency preparedness.
• Suitably qualified applicants must provide certificates verified by the Zambia Qualifications Authority (ZAQA).

How to Apply

Interested candidates should submit their application for the attention of the HR Business Partner. The application must include the following documents combined into a single PDF file:

• Detailed CV.
• Copies of relevant qualifications.
• Copies of professional registrations, where applicable.
• Copy of National Registration Card (NRC) or passport.

Email: careers@zamsugar.zm

Email Subject: Application – SHERQ Officer – Fire & Emergency Response

All internal employees are required to complete the Internal Application Form and obtain relevant signatures when applying for vacancies.

Closing Date: 26 October 2026

Additional Information

Applicants may be required to complete pre-employment checks, including qualification, credit, security, background and medical assessments, as part of the recruitment process where applicable.

Should you not hear from the company within four weeks after the closing date, please accept that your application was unsuccessful.

Company Contact Details

Zambia Sugar Plc – Head Office
Nakambala Estate
P.O. Box 670240
Mazabuka, Zambia

Telephone: +260 21 3230666 / 230696 / 231111

Mobile: +260 977 640 572 / 573 / 574 / 575 / 576 / 577 / 578 / 579

Fax: +260 21 3230116

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Internal Auditor 

Company: Lusaka South Multi-Facility Economic Zone Limited (LSMFEZ)

Position: Internal Auditor

Number of Positions: 1

Department: Internal Audit

Reporting To: Manager Internal Audit

Location: Plot F10723, Chifwema Road, Lusaka, Zambia

Post Date: 9 October 2026

Application Deadline: Friday, 16 October 2026

LSMFEZ - Invest, Develop, Thrive

LUSAKA SOUTH MULTI-FACILITY ECONOMIC ZONE LIMITED

Job Purpose

To undertake internal audit activities and assignments in order to provide assurance on the adequacy and effectiveness of internal controls and governance processes across the Lusaka South Multi-Facility Economic Zone.

Key Results Areas and Principal Accountabilities

1. Audit Planning and Execution

Undertakes effectively the implementation of the approved annual risk-based internal audit plan in order to ensure that audit coverage is comprehensive and aligned with organisational priorities.

2. Risk Management

Undertakes periodically the identification, assessment and monitoring of operational and financial risks in order to provide assurance that risks are effectively mitigated and managed.

3. Internal Control Evaluation

Undertakes timely review and evaluation of internal control systems in order to determine their adequacy and effectiveness in safeguarding organisational assets and ensuring compliance with policies and procedures.

4. Compliance and Governance

Undertakes regular reviews of the organisation's compliance with statutory and regulatory requirements, internal policies and governance standards in order to promote accountability and integrity.

5. Audit Fieldwork Supervision

Undertakes accurate oversight of audit fieldwork performed by audit teams in order to ensure that audits are conducted in line with internal audit standards, procedures and timelines.

6. Reporting and Recommendations

Undertakes timely and accurate preparation of internal audit reports with clear findings and actionable recommendations in order to support management and the Board in decision-making and continuous improvement.

7. Follow-up and Implementation Monitoring

Undertakes regular monitoring of the implementation status of agreed audit recommendations in order to ensure that corrective actions are effectively and promptly implemented.

8. Advisory Services

Undertakes proactive provision of advisory support to Management on risk, control and process improvement matters in order to enhance operational efficiency and compliance.

9. External Audit Coordination

Undertakes effective liaison with external auditors in order to facilitate information sharing, minimise duplication and ensure synergy between internal and external audit activities.

10. Reports

Undertakes timely preparation and submission of mandatory operational reports to monitor activity implementation and support informed decision-making.

11. Performance Management

Undertakes timely development and implementation of individual work plans in order to ensure synergistic integration, as well as monitor, evaluate and enhance performance.

Minimum Required Qualifications and Experience

• Full Grade 12 Certificate.
• Bachelor's Degree in Accounting or a full professional accounting qualification such as ACCA, CIMA, CA or equivalent.
• Membership of the Zambia Institute of Chartered Accountants (ZICA) or the Institute of Internal Auditors (IIA).
• Three years of experience.

Required Attributes and Competencies

• Job Knowledge.
• Teamwork.
• Professionalism.
• Results Orientation.
• Adaptability.

How to Apply

Candidates who meet the specified requirements are encouraged to apply by submitting their application together with the following documents:

• Updated Curriculum Vitae.
• Copy of National Registration Card (NRC).
• Certified copies of academic and professional certificates.

All documents must be combined into a single PDF document and submitted by email.

Email: careers@lsmfez.co.zm

Application Deadline: Friday, 16 October 2026.

Application Address

All applications should be addressed to:

The Managing Director
Lusaka South Multi-Facility Economic Zone
Plot F10723, Chifwema Road
Lusaka, Zambia

Equal Employment Opportunity

Lusaka South Multi-Facility Economic Zone is committed to providing equal employment opportunities without discrimination on the basis of colour, tribe, race, religion, belief, gender, disability, marital status and ethnicity.

Women who meet the above qualifications are encouraged to apply.

Website: www.lsmfez.co.zm

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First Alliance Bank is looking for a qualified and experienced professional to join its team as a Compliance Analyst.

Educational Background

• Bachelor's Degree in Law, Business Administration, Finance, Accounting, Economics, Risk Management or a related field.
• Professional certification in compliance, AML/CFT, financial crime, audit or risk management (e.g., CAMS, ICA, CFE or equivalent) is an advantage.

Professional Experience

• At least 2-4 years of relevant experience in banking.
• Practical knowledge of regulatory requirements applicable to commercial banking in Zambia.
• Experience in compliance monitoring, KYC/CDD, transaction monitoring, regulatory reporting/regulatory remediation.

How to Apply

Interested candidates should send their CV and cover letter to:

Email: recruitment@fabank.co.zm

Application Deadline: 25 September 2026

For more details about Responsibilities, Experience and Skills, visit www.firstalliancebankzambia.com

Contact

Website: www.firstalliancebankzambia.com

Email: customercare@fabank.co.zm

Phone: 2121 | +260 763502121

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First Alliance Bank is looking for a qualified and experienced professional to join its team as a Market & Credit Risk Analyst.

Educational Background

• Bachelor's degree in Finance, Economics, Banking, Mathematics, Risk Management or related field.
• FRM, CFA, ACI or related qualification is an added advantage.

Professional Experience

• Minimum 2 years' experience in market risk, treasury risk, credit risk, credit analysis or portfolio risk.
• Strong Excel skills; Power BI, SQL or risk-management systems experience is an advantage.
• Sound understanding of Treasury products, liquidity risk, and portfolio credit risk.

How to Apply

Interested candidates should send their CV and cover letter to:

Email: recruitment@fabank.co.zm

Application Deadline: 25 September 2026

For more details about Responsibilities, Experience and Skills, visit www.firstalliancebankzambia.com

Contact

Website: www.firstalliancebankzambia.com

Email: customercare@fabank.co.zm

Phone: 2121 | +260 763502121

#YourPartnerToProsperity

⚠️ Legitimate employers do not charge candidates fees to secure employment. Be cautious of anyone requesting payment in exchange for a job offer.

Job Description

To prepare, collate, design and develop complex risk reports to enable the Risk team to provide high quality reporting to key stakeholders according to set deadlines. To manage portfolio risk and concentrations within the Retail environment to ensure the portfolio remains within the risk appetite. To support Portfolio Manager with the scored lending strategy.

Qualifications

Type of Qualification: First Degree

• Full Grade 12 Certificate with a minimum of 5 Credits.
• Field of Study: Relevant Quantitative or Business Related Degree

Experience Required

Portfolio Risk Management

• 1-2 years
• Experience in report writing and risk management
• 1- 2 years experience in data analytics, reporting, credit risk, banking, or a related analytical role.

Systems and Technology

• 1 - 2 years experience
• Advanced Microsoft Excel skills and other Microsoft tools
• Proficiency in SQL, Power BI

Behavioural Competencies

• Articulating Information
• Checking Things
• Establishing Rapport
• Examining Information
• Following Procedures
• Interacting with People
• Interpreting Data
• Managing Tasks
• Producing Output
• Showing Composure
• Team Working
• Upholding Standards

Technical Competencies

• Data Quality
• Quality Orientation
• Risk Awareness
• Understanding of banking products and lending processes.
• Knowledge of credit policy and risk appetite frameworks.
• Portfolio monitoring and performance analysis.
• Written Communication

Additional Information

Candidates are encouraged to submit education documents that have been certified by the Zambia Qualifications Authority (ZAQA).

Job Details

As we continue to grow and strengthen the business, we’re looking for an experienced Non-Executive Board Director to join our Board and work closely with executive management to provide independent oversight, strategic guidance, and governance leadership.

Key Responsibilities

• Contributing to the development and oversight of the company’s strategy
• Providing independent expert guidance on governance, risk management, and regulatory compliance
• Supporting sound decision-making in line with stakeholder interests and fiduciary obligations
• Ensuring compliance to the requirements of the Bank of Zambia and other applicable regulatory frameworks

What We’re Looking For

Accomplished senior leaders with demonstrated experience in regulated financial services environments and expertise in the following areas:

• Banking, Microfinance, or FinTech
• Technical skills: Specific proficiency in Finance Audit & Risk, ICT, Legal & Corporate Governance, Human Capital & Organizational Development
• Ethical leadership: A "Fit and Proper" track record with high integrity and no history of financial misconduct
• Stakeholder representation: Ideally, a background as a shareholder representative or a former executive with deep industry connections

Key Requirements

• Availability to attend quarterly Board and Committee meetings
• Willingness to actively contribute to governance and oversight responsibilities
• Residency; Lusaka preferred

ZSIC General Insurance Limited is a leading provider of customer-centric general insurance solutions, committed to excellence, integrity, and strong corporate governance. As an equal opportunity employer and a proud member of the IDC Group of Companies, we continue to build a high-performance culture driven by professionalism, innovation, and excellent service.

We are therefore inviting applications from suitably qualified, experienced, and results-driven professionals to fill the following position:

JOB PURPOSE

To provide strategic leadership and technical oversight in underwriting and insurance product development by ensuring sound risk selection, pricing discipline, and innovative product design that supports profitability, market competitiveness, regulatory compliance, and sustainable growth of ZSIC General Insurance Limited in line with the Strategic Business Plan.

KEY RESPONSIBILITIES

1. Underwriting Strategy and Governance

• Develops, implements and reviews underwriting strategies, policies and frameworks across all classes of general insurance business.
• Ensures consistent application of underwriting standards, authority limits and pricing guidelines across Head Office and branches.
• Provides technical leadership and oversight to underwriting teams to ensure quality, consistency and risk discipline.
• Approves complex, high-value or non-standard risks within delegated authority levels.

2. Product Development and Innovation

• Leads the design, development and review of insurance products to meet market demand, customer needs and regulatory requirements.
• Conducts market research, customer analysis and competitor benchmarking to inform product innovation and enhancement.
• Works with actuarial, reinsurance, claims and business development teams to ensure products are commercially viable and technically sound.
• Oversees product pricing, policy wording development and product approval processes.

3. Portfolio Performance Management

• Monitors underwriting portfolio performance, including premium growth, loss ratios, claims trends and profitability.
• Identifies adverse trends and recommends corrective actions to improve underwriting outcomes and risk selection.
• Ensures effective accumulation control, exposure management and portfolio diversification.
• Produces underwriting and product performance reports for management and governance committees.

4. Reinsurance and Capacity Management

• Works closely with the Reinsurance Unit to align underwriting strategy with reinsurance structures and capacity.
• Provides technical input into reinsurance programme design, treaty negotiations and facultative placements.
• Ensures underwriting decisions are consistent with reinsurance arrangements and retention limits.

5. Business Development and Stakeholder Engagement

• Provides technical underwriting and product support to Business Development, Corporate, SME, Retail and Branch teams.
• Participates in key client, broker and stakeholder engagements to support business growth and retention.
• Advises senior management on underwriting capacity, product positioning and market opportunities.

6. Compliance, Risk Management and Governance

• Ensures underwriting and product development activities comply with insurance regulations, corporate governance requirements and internal policies.
• Oversees the maintenance and periodic review of underwriting manuals, guidelines and authority frameworks.
• Supports internal and external audits, regulatory inspections and compliance reviews.
• Ensures effective risk management controls are embedded in underwriting and product processes.

QUALIFICATIONS / CERTIFICATIONS

• Grade 12 Certificate.
• Bachelor’s Degree in Insurance, Actuarial Science, Business Administration, Finance, Risk Management or related field.
• ZAQA Certified Qualifications.
• Minimum of 6 years of experience.

KEY TECHNICAL SKILLS & COMPETENCIES

• In-depth knowledge of general insurance underwriting principles and product structures.
• Strong product development, pricing and policy wording expertise.
• Sound understanding of reinsurance, capacity management and portfolio optimisation.
• Strong analytical, financial and risk assessment skills.
• Excellent leadership, stakeholder engagement and communication skills.
• Ability to interpret insurance regulations and ensure compliance.
• Proficiency in insurance systems, underwriting tools and MS Office Suite.

HOW TO APPLY

Interested candidates who meet the minimum qualifications should submit their applications to:

Chief Human Capital & Administration Officer
ZSIC General Insurance Limited, Premium House, Independence Avenue, P.O. Box 30894, Lusaka, Zambia.

Online submissions can be sent via email: careers@zsicgi.co.zm

ZSIC General Insurance Limited is a leading provider of customer-centric general insurance solutions, committed to excellence, integrity, and strong corporate governance. As an equal opportunity employer and a proud member of the IDC Group of Companies, we continue to build a high-performance culture driven by professionalism, innovation, and excellent service.

We are therefore inviting applications from suitably qualified, experienced, and results-driven professionals to fill the following position:

JOB PURPOSE

To provide strategic, technical, and operational leadership of the Claims function by ensuring timely, fair, and cost-effective settlement of claims in accordance with ZSIC General Insurance policies and regulatory requirements, while safeguarding the Company against fraud, leakage, and reputational risk and enhancing customer confidence and satisfaction.

KEY RESPONSIBILITIES

1. Claims Strategy & Governance

• Develop and review claims strategies, policies, procedures and service standards
• Ensure the Claims function operates within governance frameworks, delegated authorities and regulatory requirements
• Establish and monitor claims turnaround times (TATs), SLAs and performance indicators

2. Claims Operations

• Oversee the end-to-end claims lifecycle across all classes of business
• Review and approve claims within delegated authority; escalate high-value or complex claims
• Ensure efficient registration, assessment, approval and settlement at Head Office and branch level
• Provide claims experience analysis to actuarial and product development functions

3. Litigation & Dispute Resolution

• Prepare pleadings, witness statements and case files for matters involving the Corporation
• Represent the Corporation in subordinate courts and liaise with external counsel
• Assist in negotiations, mediations and arbitrations to resolve disputes efficiently
• Maintain a litigation database and prepare periodic case status reports

4. Fraud Management & Risk Control

• Develop fraud prevention, detection and investigation mechanisms
• Review suspicious and complex claims and recommend corrective or disciplinary action
• Ensure recovery, subrogation and salvage processes minimise claims leakage

5. Financial Control & Stakeholders

• Manage claims expenditure and reserving adequacy; monitors loss ratios and settlement patterns
• Work with Finance and Underwriting on reserving and financial reporting
• Manage relationships with loss adjusters, assessors, garages, medical providers and legal practitioners

6. Customer Experience & Compliance

• Ensure fair, transparent, customer-focused claims service; resolves escalated complaints
• Ensure compliance with insurance regulations and claims handling standards
• Prepare claims reports for management, regulators, auditors and the Board

QUALIFICATIONS / CERTIFICATIONS

• Grade 12 School Certificate
• Bachelor’s degree in Insurance, Law, Business Administration, Finance, Risk Management or related field
• Minimum of 6 years’ relevant work experience

KEY TECHNICAL SKILLS & COMPETENCIES

• In-depth knowledge of general insurance claims across multiple classes of business
• Strong understanding of insurance law, policy interpretation and claims reserving principles
• Expertise in fraud detection, investigation and claims risk management
• Strong leadership, people management and coaching skills
• Excellent analytical, negotiation and decision-making abilities
• Proficiency in claims management systems, data analysis tools and MS Office Suite

HOW TO APPLY

Interested candidates who meet the minimum qualifications should submit their applications to:

Chief Human Capital & Administration Officer
ZSIC General Insurance Limited, Premium House, Independence Avenue, P.O. Box 30894, Lusaka, Zambia.

Online submissions: careers@zsicgi.co.zm

ABOUT US

Right to Care Zambia (RTCZ) has been at the forefront of public health innovation since our incorporation in 2016, providing high-impact Technical Assistance and Direct Service Delivery in partnership with the Ministry of Health. Headquartered in Lusaka, we currently operate across four provinces i.e., Lusaka, Luapula, Muchinga, and Northern, bringing quality healthcare closer to communities.

Guided by our 2023-2027 strategic plan, we are committed to strengthening health systems and improving lives through comprehensive HIV/AIDS prevention, care, and treatment, maternal and child health, and rapid epidemic response. Our integrated approach also includes malaria and TB control, public health research, Social Behaviour Change, pharmaceutical supply chain management, and addressing non-communicable diseases. As we continue to grow, we remain dedicated to excellence, collaboration, and sustainable impact in every community we serve.

ABOUT THE POSITION

QUALIFICATIONS AND EXPERIENCE

Minimum Required Qualifications and Experience:

• Bachelor's degree in risk management, Finance, Accounting, Auditing, or a related field.
• At least 3 years of relevant experience in risk management, compliance, internal audit, governance, or a related field.
• Experience in the NGO/development sector is an advantage.
• Experience conducting compliance reviews, risk assessments, audits, and developing corrective action plans.
• Paid up Member of ZICA

Desirable Qualifications and Experience:

• Professional Accounting Qualification.
• Professional qualification in Risk Management, Internal Audit, Compliance, or Accounting is an added advantage.
• 5 years' work experience in audit, Compliance or Risk.
• Paid up Member of ZICA
• Membership with Institute of Internal Auditors | IIA

TECHNICAL AND BEHAVIOURAL COMPETENCIES

• Problem-Solving Skills
• Business Savvy
• Service Minded
• Good Communication Skills
• Planning and Organization
• Influencing Skills
• Initiative
• Resourcefulness

KEY PERFORMANCE AREAS

• Ensure that adequate financial controls measures are implemented and followed by all staff.
• Assist with implementation of the organization's risk management framework.
• Pro-actively engage with stakeholders to provide appropriate support and guidance on risk management matters and the consistent application of good practice.
• Facilitate and run quarterly risk workshops for each department/grant and operational area of the organisations.
• Develop an operational risk register for all stakeholders and coordinate and facilitate the process of risk management in all risk management workshops.
• Ensure that the risk management system is updated for all risk register updates.
• Assist with liaison with risk champions to ensure risk workshops are coordinated and risk registers are reviewed on a quarterly basis
• Assist with review of action plans updates on the Risk Management System. Assist with follow up with management for outstanding actions.
• Pro-actively engage with colleagues across the departments to inform own understanding of developments that may have risk ramifications.
• Assist with reporting for inclusion in Head of Risk and Compliance's risk and control management reports for stakeholders when necessary.
• Assist with promotion of a culture of risk management supported by policies and procedures across the organisation and within own team.
• Assist with tracking of spend against risk budgets.
• Assist Head of Risk and Compliance with performing internal control assessments to evaluate the adequacy of internal control framework to address risks and accomplish the company's goals and objectives.
• Make recommendations for changes to policy and procedures.
• The Risk and Compliance Officer will work closely with finance and operations staff as well as all project staff and partners, to ensure that project policies and processes are understood and consistently implemented and documented by staff.
• In collaboration with HR, ensure that all staff are issued with and sign all relevant policies.
• Conduct orientations to staff on RTCZ policies, fraud awareness and compliance to donor rules and regulations.
• Conduct routine reviews of RTCZ/Action HIV offices and units (DSD, Finance, HR, IT Operations, Programs, and sub partners) and issue reports on the findings and make recommendations on areas of improvement.
• Maintain a timetable of all deliverables to DOS by RTCZ and sub partners to RTC and due dates on the Action HIV grant and follow up with respective staff to ensure timely delivery.
• Coordinate with finance and external auditors in ensuring all audit findings are attended to in a timely manner.
• Review all of contracts and SLA before sign-off by Senior management and Legal.
• Periodic review of the insurance portfolio ensuring the effective administration of all insurance claims.
• Assist with the tracking of insurance covers due for renewal, assessment of risk exposure to RTCZ and advising the Head of Risk and Compliance on necessary and/or desirable changes in cover.
• Assist with periodic review of insurance policies and contracts for gaps and inaccuracies.
• Periodic review of the processing and monitoring of insurance claims including recording, preparing and providing information and defense arguments, and recommend value adding process improvement actions.
• Assist with review and implementation of internal Right to Care insurance policies and standard operating procedures, to ensure claims processes and the maintenance of commercial asset insurance are efficient, complete and compliant.
• Assist with ensuring timely reporting of adverse events and processing of insurance claims where necessary.
• Assist Head of Risk and Compliance to coordinate the process with internal auditors for auditing risks and compliance matters.
• Assist with set-up of initial scoping meetings with the relevant departments/grants ahead of the commencement of internal audits.
• Assist with implementation of the Combined Assurance Framework and Model.
• Assist with implementation and review of the environmental compliance policy and standard operating procedures.
• Assist with development or review of an Environmental Monitoring and Mitigation Plan (EMMP) as required by the donor.

APPLICATION PROCEDURE

Applications in the form of a cover letter and CV must be submitted to Vacancy26@righttocare.org NOT later than 21 August 2026

Only shortlisted candidates will be contacted

DISCLAIMER

By applying for the above-mentioned position, you consent to Right to Care to conduct qualification, ID, criminal and reference checks (internal and external) which forms part of the Company's recruitment policy and procedure. Should you not receive a response to your application from Right to Care within one month of this advert being placed, kindly consider your application as being unsuccessful.

Only applicants meeting the strict criteria outlined above will be contacted as part of the shortlisting process. Right to Care reserves the right to withdraw the vacancy at any time for whatever reason.

Right to Care is an equal opportunity affirmative action employer.

Right to Care Zambia is aware of fraudulent activities by certain individuals claiming to be representatives of the organization.

Be advised that Right to Care does not charge any fee at any stage of the recruitment process, and as such Right to Care Zambia assumes no responsibility for any announcements or activities by such individuals or entities.