Sefa Presentation to the Portfolio Committee on Small Business Development
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1 Sefa Presentation to the Portfolio Committee on Small Business Development Thakhani Makhuvha Chief Executive Officer Parliament Cape Town 03 September 2014
2 Contents About us Mandate / Vision Mission Values Product offerings Legislative and policy framework Strategic Objectives Model of operation Footprint Developmental impact
3 Our vision To be the leading catalyst for the development of sustainable SMMEs through the provision of finance.
4 Our mission Our mission is to provide simple access to finance in an efficient and sustainable manner to SMMEs throughout South Africa by: delivering Wholesale and Direct Lending credit facilities or products; providing credit guarantees to SMMEs; supporting the institutional strengthening of Financial Intermediaries so that they can effectively assist SMMEs; creating strategic partnerships with a range of institutions for sustainable SMME development and support; monitoring the effectiveness and impact of our financing, credit guarantee and capacity development activities; and developing (through partnerships) innovative finance products, tools and channels to speed up increased market participation in the provision of affordable finance.
5 Our values kuyasheshwa! We act with speed and urgency; passion for development: Solution-driven attitude, commitment to serve; integrity: Dealing with clients and stakeholders in an honest and ethical manner; transparency: Ensuring compliance with best practice on the dissemination and sharing of information with all stakeholders and innovation: Continuously looking for new and better ways to serve our clients.
6 Portfolio of products Our Direct Lending channel offers the following products: Working Capital Facilities Asset Finance Term Loans Revolving Loans Bridging Loans Short-term Trade Finance. The Institutional Support offers the following: Institutional Strengthening Technical Support Rental Property( Industrial and commercial) Through our Wholesale Lending channel, we offer these financial products: Business Loans (RFIs, Joint Venture Funds) Microfinance; Financing of Co-operatively owned enterprises Credit Guarantee Scheme; Land Reform Empowerment Fund.
7 Legislative and policy framework sefa strives to conform and adhere to all regulatory and statutory requirements. We have Audit and Compliance Committees whose core functions are to guide sefa through regulatory requirements and/or changes with the intent of preventing the severe non-compliance implications (including but not limited to financial and reputational consequences). Among other legislations, we ensure conformity to the following: ENABLING LEGISLATION The Industrial Development Corporation (IDC) Act CORPORATE GOVERNANCE The Companies Act 71 of 2008 (the Companies Act) Public Finance Management Act of 1999 (PFMA) LENDING LEGISLATION National Credit Act (NCA) Short Term Insurance Act, 53 of 1998 (STIA) Co-operatives Amendment Act No 6 of 2013 Financial Intelligence Act OTHER RELATED & SUPPORTING LEGISLATION Broad-Based Black Economic Empowerment Amendment Act, 2013 (Act No. 53 of 2003); and Codes of Good Practice National Small Business Act, No 102 of 1996
8 Strategic objectives 1. Increase access and provision of finance to SMME s and thereby contribute towards job creation 2: Develop and implement a national footprint for effective product and service delivery 3. Build an effective and efficient sefa that is a sustainable performance driven organisation 4. Build a learning organisation 5. Build a sefa that meets all legislative, regulatory and good governance requirements 6. Build a strong and effective sefa brand emphasizing accessibility to SMMEs
9 Model of operation sefa Funding Model sefa Wholesale Lending sefa Direct Lending Credit Guarantee Schemes Finance Intermediaries: (CFIs, MFIs, Joint Ventures & Funds, Retail Finance Intermediaries) sefa regional offices and seda co-locations Formal registered financial institutions R500 to R5m R50k to R5m Up to R5m SMMEs can access sefa funding solutions through any of the above channels
10 Our footprint
11 Developmental impact BREAKDOWN OF THE SMMEs FUNDED AND THE R822 MILLION DISBURSED 10, 291 were youth owned enterprises with loan funding support to the value of R157 million; 44, 302 were women owned businesses with funding support to the value of R362 million; 36, 729 were rural-based enterprises with a total funding of R429 million; and 43, 643 were black owned enterprises funded to the value of R599 million.
12 Youth Businesses Funded in 2013/14 Youth businesses funded per Channel R 52m R 41.6m R 40.5m R 9.7m R 6.2m R 7.2m Credit Indemnities Direct Lending CFIs Special Funds MFIs RFIs Total Youth Owned Enterprises Amount Funded
13 Women owned businesses: 2013/14 Women Owned Initiatives funded per Channel R189,4 m R68,7 m R68,3 m R2,5 m R11,6 m R21,9 m 0 Credit Indemnities Direct Lending CFIs Special Funds MFIs RFIs Total Female Owned Enterprises Amount Funded
14 AMOUNT FUNDED MILLIONS Rural areas/priority Provinces Priority province based SMMEs funded 0 Total SMMEs in Rural-based (Priority Provinces) Amount Funded Credit Indemnities 6 R Direct Lending 79 R CFIs 103 R Special Funds 300 R MFIs R RFIs 95 R
15 Black Businesses Funded in 2013/14 Black Businesses Funded per Channel R 196.4m R 187m R 83.9m R 101.7m Credit Indemnities R 9.7m Direct Lending CFIs R 20.7m Special Funds MFIs RFIs Amount Funded Number of Enterprises per Channel
16 sefa Regional & Branch Offices GEOGRAPHIC LOCATION LENDING ACTIVITIES Regional Office Address 1. Free State Office 4 & 5, Preller Square, Graaf Reinet Street, Dan Pienaar, Bloemfontein 199 Anton Lembede Street 2. Kwa-Zulu Natal 2102 Embassy Building - Durban No. 33 Hoofd Street, Braampark 3. Gauteng, (South Western) JHB Forum 1, Ground Floor Braamfontein, Johannesburg 4 4. Gauteng, (North Eastern) Tshwane TH Floor, Block C, Old Mutual Building, 536 Schoeman Street, Tshwane. 5. Western Cape CT 2 Long Street, 9 th floor, FNB Building, Cape Town No. 68 Cape Road, Mill Park 6. Eastern Cape, (Western 7. Districts) PE Port Elizabeth Chesswood Office Park, 8-10 Winkley 7. Eastern Cape, (Eastern Districts) EL Street, 2 nd Floor Berea, East London 1st Floor 200 on Main 8. Western Cape, (Western Districts); Cnr Main and Bowwood Road Claremont - CT Claremont Northern Cape NC 72 Long St, Business Partners Building, Kimberley. Application process Due diligence Management of collateral Application of Credit Risk Ratings Financing SMMEs including start up businesses that are often perceived as high risk Addressing the financing gap for loans between R and R5m 10.Mpumalanga, Nelspruit Suite No 5, Alcrest Building, Cnr MacAdams & Rothery Streets, Nelspruit. 11. Limpopo Suite 4, Biccard Park, 43 Biccard Street, Polokwane. 12.North West, Rustenburg 32b Heystek St, Sunetco Building, Rustenburg.
17 Co-operative Financial Institutions CO-OPERATIVE NAME LOCATION SMME LENDING Flash/ Sebenza Financial Cooperative Cape Town, Western Cape WHOLESALE LENDING On-lending loans: These are loans offered Kwa-Zulu Natal Financial Cooperative Durban, KwaZulu-Natal through Financial Savings Co-operatives to on-lend to members. Sibanye Cape Financial Cooperative Bellville, Western Cape Capacity-building grants: These are Mankotsana Financial Co-operative Apel, Limpopo services offered to Financial Savings Cooperatives as grants to subsidize operating Kuvhanganyani FSC Limpopo costs and acquire assets such as furniture Boikago SACCO Ditsobotla Primary Co-op Bank Mutapa Financial Cooperative North West North West Limpopo etc. DIRECT LENDING Business loans: Loans issued to enterprising co-operatives and are priced as Mmetlakhola FC Gauteng per direct lending pricing model. Mentorship: Mentorship services provided to Tlharihani SACCO Limpopo co-operatives which received business loans. R500 up to R5m loans to SMMEs Financial Savings Co-operatives 17
18 Micro-finance Intermediaries MFI NAME PROVINCE SMME LENDING Akanani Finance Co Aloga financial services Get Ready Investment Holdings Ikusasa Empowerment Trust Opportunity Finance Phakamani Foundation Sakthi Financial Services Small Enterprise Foundation Tetla Development Services Moliko Trust Tiisha Enterprise Finance Extra Credit Trading G50 Women financial services Kuyasa Fund Mazwe Financial Services Ndiza Finance Limpopo Gauteng Limpopo North West KZN Mpumalanga, KZN Limpopo WC Free State Limpopo Eastern Cape Limpopo Western Cape Gauteng Gauteng SMMEs can access funding from R500 up to R from these Micro Finance Intermediaries
19 Retail Finance Intermediaries RFI NAME LOCATION FUNDING FACILITIES Capital Harvest Emerging Farmer Finance Retmil Financial Services (Pty) Ltd Mettle Administrative Services (Pty) Ltd Cape Capital Investment & Finance Co Ltd CapX Invoice Discounting (Pty) Ltd Stellenbosch, Western Cape Westdene, Bloemfontein, Free State Bellville, Western Cape Newlands, Wester Cape Durbanville, Western Cape SMME loans between R500 up to R Droogfontein Incubation Farm Midrand, Gauteng
20 Partnerships PARTNERSHIP NAME Tourism Enterprise Partner (TEP) LOCATION Johannesburg, Gauteng OBJECTIVES To boost and sustain SMMEs in the tourism sector sefa/ Tongaat Hulett Sugar (THS) Facility R Tongaat, KwaZulu Natal To fund sugar-cane small scale farmers in KZN sefa/baw Facility Land Reform Empowerment Facility Johannesburg, Gauteng National Taxi business funding Support to Land Reform Beneficiaries
21 Specialised Funds* FUND NAME LOCATION BENEFICIARIES Godisa Supplier Development Fund Johannesburg, Gauteng Offers SMMES Business Loans of up R5m Anglo American sefa Mining Fund Johannesburg, Gauteng Designed to aid small and medium sized black empowerment businesses that are involved in small scale mining and related activities within the Republic of South Africa. sefa Awethu Youth Fund Johannesburg, Gauteng For young township entrepreneurs in Gauteng Identity Development Fund Johannesburg, Gauteng For black-women owned entities Khula Akwandze Fund Johannesburg, Gauteng Agricultural funding UTHO Capital Infrastructure SME Fund Johannesburg, Gauteng Equity funding Business Partners Khula Start- Up Fund Durban, KwaZulu-Natal Business Start-up funding Enablis Khula Loan Fund and Khula Enablis Acceleration Fund Johannesburg, Gauteng Technological funding
22 THANK YOU
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