The Bank of Namibia has concluded the investigation into the business activities of Mufhiwa Building Projects and established that they constitute a pyramid scheme. This, the Bank says is due to the fact that Mufhiwa Building Projects does not generate income through the sale of a product or any service to its members. Instead members and participants are encouraged to recruit new members, upon a payment of a joining fee of N$200.00, with the promise that such members receive payments to have their home loans settled, or to purchase new houses, or to renovate their existing houses. Mufhiwa Building Projects has been instructed to cease business operations in Namibia immediately and members of the public are instructed to stop participation in the scheme with immediate effect.