Bank of Botswana lowers interest rates down to 1.9%

Good morning! Let’s get into it

The Bank of Botswana’s Monetary Policy Rate (MoPR) is currently 1.90%, unchanged as of its June 19, 2025 decision

What This Means for You: Young Entrepreneurs & Professionals

With the base rate at a low 1.90%, here’s how this translates into real impact:

1. More Affordable Borrowing
   Expect lower interest on business, equipment, or professional loans. Lower rates boost your cash flow and can significantly reduce initial costs.

2. Banks More Willing to Lend
   A low MoPR often prompts commercial banks to relax lending standards. That enhances access, essential if you're starting or scaling up.

3. Favorable Terms on Personal/Student Loans
   If you're using financing for education or skill development, this steady rate helps lock in beneficial terms, making repayments more manageable.

4. Stimulates Business Opportunities
   With cheaper borrowing, business growth and hiring are encouraged, potentially creating more opportunities for networking, collaboration, and work in emerging industries such as tech, digital media, and services.

5. Time to Shift from Saving to Investing
   Traditional savings products may yield less. Consider investing in your business, professional growth, or Botswana’s capital markets to achieve better returns over time, potentially.

Summary

• MoPR: 1.90% (since June 19, 2025)

• Stability Means Confidence: This consistent low-rate environment creates predictability.

• Strategic Advantage: Now’s the time to borrow affordably for business launch or growth, education, or upskilling.

Source: Bank of Botswana