Avo Vision Partnership Helps Launch Two Thriving Businesses

After being unemployed for almost 9 years, Monica Makonxa’s hope of ever being employed again was starting to fade until she received an opportunity to be a Field Coordinator in Gauteng under Avo Vision in partnership with the Social Employment Fund (SEF). Through this partnership and Avo Vision financial literacy and money management training, Monica launched two businesses.

Monica Uses Beauty and Education to Uplift Her Community

Monica launched Zapha, a beauty and wellness brand where she specializes in makeup artistry and massage therapy, helping people feel confident and rejuvenated, and WonderVenture Kids, a business focused on creating enriching experiences for children, through WonderVenture Kids, she organizes exciting trips and educational adventures that allow children to explore, learn, and grow outside of the traditional school classrooms environment.

Turning Passion Into Purpose

Monica says when she joined SEF phase two in August 2023, she also discovered her passion for working with children within the Early Childhood Development sector, something that inspired her to start WonderVenture Kids. “Being part of this programme not only allowed me to earn an income but also taught me valuable skills that I had never explored before. My role as a Field Coordinator helped me realise my strengths in public speaking, leadership, and engaging with people and children - talents I never knew I possessed,” she explains.

Avo Vision Empowers Thousands Under SEF Programme

As part of the SEF programme, one of the Presidential Employment Stimulus programmes that seek to reduce unemployment while addressing key social, environmental and economic challenges in the country, Avo Vision has trained over 2000 participants in phase two and phase three.

Financial Literacy as a Game Changer

Monica says financial training enabled her to find other ways to supplement her income. “Boost Your Income training provided by Avo Vision played a crucial role in reshaping my financial decision-making. I learned how to manage my income wisely, budget effectively, and reinvest in my growth. More importantly, I discovered that success is not always about how much you earn but how you use your opportunities to build something meaningful,” Monica adds. ‘Boost Your Income’ is one of the training modules offered by Avo Vision in person and through online platforms such as WhatsApp, Zoom and Microsoft Teams to reach individuals from every corner of the country. The participants are equipped with in-depth financial skills, offering them the opportunity to explore new business prospects and secure their financial future.

Empowering the Next Generation

Avo Vision project assistant, Vuyiseka Zwelibanzi, credits Monica’s success to the successful partnership between Avo Vision and SEF.

“Avo Vision is all about changing people’s lives by making them realise their full potential and tap into entrepreneurship and Monica is a prime example of what the right partnerships can achieve if we come together and give young people opportunities and skills,” she says.

Monica holds a certificate in somatology and previously worked in business marketing, medicine administration and a bank as a teller. As SEF phase three comes to an end in April 2025, Monica says she intends to invest more time in growing her businesses with the intension of hiring unemployed youth people in her community to share with them her newly acquired skills and reduce unemployment.

“I am deeply grateful to Avo Vision and SEF for giving me the opportunity to rediscover my potential, develop new skills, and step into entrepreneurship with confidence. This journey has not only changed my career path but has also strengthened my resilience and set a clear vision for my future,” she concludes.

Reviving Landscapes and Livelihoods

In an inspiring blend of environmental restoration and socio-economic upliftment, the Venetia Artisanal Charcoal Incubation Programme has emerged as a vital force for change in Limpopo Province. Anchored in sustainable business practices, this programme has not only redefined the region's approach to ecological rehabilitation but has also created meaningful opportunities for local entrepreneurs and workers alike.

A Mission Rooted in Sustainability

Launched with the goal of addressing landscape degradation, biodiversity loss, and unemployment, the programme empowers 29 entrepreneurs across 24 local businesses to transform biomass into value-added products such as sustainable charcoal and firewood. By allocating 100 hectares of land per business, the initiative promotes restorative land-use practices while equipping participants with critical skills and tools to scale their enterprises.

How Venetia, SEF, and GIZ Are Restoring Land and Livelihoods

Supported by key partners, including Venetia, SEF and GIZ, this initiative highlights the power of collaboration in tackling pressing environmental and economic challenges. Communities in villages like DeVrede, Gakibi and Grootpan are seeing the tangible benefits of improved grazing land, job creation, and enriched biodiversity. This transformative ripple effect extends far beyond individual participants.

Overcoming Barriers, Achieving Impact

Despite facing challenges such as production inefficiencies, market barriers and logistical constraints, the programme has made notable strides. Over 137 hectares of land have been cleared, contributing to carbon sequestration, reduced fire risk, and restored ecosystems. Additionally, the project has created 511 jobs, significantly improving livelihoods and offering hope to families in the region. Participants, aged between 22 and 71, have demonstrated resilience and determination in navigating hurdles like limited kiln capacity and skill gaps. Their collective effort has not only strengthened local economies but also fostered a deep sense of pride in contributing to environmental restoration.

New Measures Aim to Strengthen Charcoal Incubation Programme

As the programme evolves, it remains focused on addressing key challenges to ensure long-term sustainability. Recommendations include improving technical training, investing in modern kilns, establishing bulk-buying agreements, and incorporating digital record-keeping systems. With these measures, the project aims to enhance productivity, expand market access, and empower entrepreneurs to achieve profitability.

Venetia’s Charcoal Initiative Builds a Brighter, Greener Future

The Venetia Artisanal Charcoal Incubation Programme is a beacon of hope for what’s possible when environmental restoration and community development go hand in hand. It’s a testament to the transformative impact of green business initiatives, offering a blueprint for creating a sustainable and prosperous future for all.

The Agri-Regen Programme Leads the Way in Regenerative Growth

In an era where sustainability has become a global imperative, the Agri-Regen Programme emerges as a beacon of hope and innovation. With a holistic approach that seamlessly integrates ecological restoration, economic growth, and community empowerment, this pioneering initiative represents a profound step towards shaping a future where people and the planet thrive in harmony.

A Vision Rooted in Regeneration

The Agri-Regen Programme, spearheaded by Avo Vision, is built on a foundational philosophy: sustainability cannot be achieved without balancing the well-being of people, the health of the planet, and the pursuit of prosperity. By focusing on regenerative agricultural practices, the programme addresses critical challenges such as soil degradation, climate adaptation, and food security.

Agri-Regen’s Blueprint for Lasting Environmental Change

What sets this initiative apart is its recognition of the interconnectedness between ecosystems, communities, and economies. It is not merely a response to environmental concerns but a comprehensive strategy that drives systemic change. From enhancing soil health to promoting biodiversity and reducing carbon emissions, Agri-Regen leverages innovative practices to create a lasting impact.

Empowering Communities as Change-Makers

At the core of Avo Vision's mission lies an unwavering commitment to community empowerment. Through the Agri-Regen Programme, individuals are equipped with the skills, knowledge, and resources needed to transform their communities and, by extension, the world. The initiative emphasizes community-driven development and sustainable livelihoods, fostering a ripple effect of positive change. Participants gain invaluable insights into regenerative agriculture while developing capabilities that contribute to socio-economic growth and environmental resilience. By creating leaders and change-makers, the programme ensures that its benefits extend far beyond immediate results, nurturing a culture of sustainability for generations to come.

Collaborative Innovation for Meaningful Impact

The success of the Agri-Regen Programme is rooted in collaboration. Local communities, farmers, and organizations unite under this initiative, pooling collective expertise and resources to address pressing global challenges. This collaborative model underscores the programme's potential to drive significant change at both local and global levels.
Moreover, its synergy with initiatives like WE4D amplifies its impact, creating a powerful framework for sustainable practices and equitable development. By championing community-led efforts, Agri-Regen exemplifies how grassroots movements can catalyze systemic transformation.

A Forward-Looking Future

As the Agri-Regen Programme continues to evolve, it remains a cornerstone of Avo Vision's strategic goals. Looking ahead, the organization envisions scaling the initiative to reach new regions and sectors, leveraging the expertise gained to maximize its impact. This forward-thinking approach reflects Avo Vision's dedication to shaping a world where individuals, communities, and ecosystems flourish in harmony.

Avo Vision and IDC Strengthen Township Enterprises

Avo Vision, in partnership with the Industrial Development Corporation (IDC), is driving change in township economies through the rollout of the Township Energy Fund. The programme has supported 45 micro, small, and medium enterprises (MSMEs) across Soweto, Vaal, and the Westrand with solar energy system solutions to help businesses mitigate the challenges of load-shedding and load reduction.

Ensuring Business Continuity and Growth with Alternative Energy

The project aims to ensure business continuity, spur growth, and fuel job creation in township areas. Alongside the solar energy installations, recipients have benefited from business acumen training and mentorship, equipping them with the tools to navigate future challenges.

Real Impacts on Township Businesses

During recent engagement sessions, many business owners shared their success stories. Most businesses noted significant savings on electricity bills and improved operations since the installation of solar energy systems on their premises.

Lungile Msele, co-owner of Lungy and Sandy Poultry, expressed her gratitude for the initiative:

“We never had electricity in our settlement, so we relied on a petrol generator, which was expensive. Since receiving the solar energy system, we have been able to save money, purchase a chicken plucking machine, and install a fridge. None of this would have been possible without Avo Vision and IDC,” said an elated Lungile.

Lungile also highlighted the value of the business acumen training:

“The training equipped me with networking skills and strategies to tackle future challenges.”

How Solar Energy Transformed TshepoMaps Trading

Nthabiseng Motsele of TshepoMaps Trading and Projects (Pty) LTD shared her experience: “Our business has seen an increase in profits after transitioning to solar energy. Encouraged by the growth, we hired an employee living with a disability, highlighting the inclusive opportunities the programme creates. People with disabilities are often overlooked. Hiring someone who deserved the opportunity to contribute their skills has taken our business to new heights.”

Uplifting the Next Generation of Solar Installers

As part of the programme, Solar Optimised Solutions (SOS), the technical partner, hired six interns from Technical and Vocational Education and Training (TVET) colleges to provide hands-on solar installation training.

Intern Tumelo Nchabeleng praised the practical experience:

“I learned to install solar systems, design them, and perform operations and maintenance. With this experience, I’m confident I’ll secure permanent employment soon.”

Strategic Partnerships and Sustainability

Avo Vision’s Programme Manager, Antoinette Mthetwa, emphasised the impact of strategic partnerships in supporting small businesses:

“This project demonstrates the power of collaboration in overcoming local energy challenges, fostering economic resilience, driving growth, and promoting environmental responsibility. Avo Vision is looking forward to partnering with more entities to assist more businesses and create employment in our townships,” Antoinette explained.

A Sustainable Future for Township Economies

This project underscores Avo Vision’s commitment to township economic sustainability by tackling energy challenges head-on. The programme not only ensures uninterrupted operations for local businesses but also promotes environmental responsibility and economic resilience.

Passion, Dedication, and Love for Training People

Passion, dedication, selflessness, and love for people are essential to being an effective facilitator and trainer, according to Bongani Magagula, one of Avo Vision’s longest-serving financial and entrepreneurship trainers.

Bongani joined Avo in 2015 as a trainer within the financial education division. Over the years, he has trained thousands of people in Mpumalanga.

“I don’t think I will ever do anything except working with people. It’s something that I was born to do, and it fulfills me. That’s why I have dedicated my life to making a difference in people’s lives as a trainer and facilitator,” Bongani explains.

Impactful Financial Education Training

Through strategic partnerships and a dedicated team, Avo has trained 40,969 people so far in 2024. Their Financial Education programmes serve as a beacon of support, offering practical, real-world strategies to help individuals and families secure their financial futures.

Avo’s mission is to actively solve South Africa's key challenges of poverty, inequality, and unemployment through sustainable investment in community education, life-skills training, and supporting enterprise development.

Commitment to Making a Difference

The father of two girls and a boy share that although his role is demanding and comes with many responsibilities, he feels honoured to have the opportunity to make a difference in the lives of ordinary people.

“Over the years, I have seen people change their lives because of the financial education that we share with them. Some even started small businesses that are now thriving and giving young people employment,” he adds.

Inspiration from His Roots

Bongani was born and bred in Mbombela, formerly known as Nelspruit.

“I think it’s growing up in this poverty-stricken province that has influenced me to take this career path. As an entrepreneur myself, I always wanted to assist other people in doing something for themselves, like starting a small business so that they can provide for their families.”

Before joining Avo, the 28-year-old worked for Childline, a non-profit organisation that helps children and teens who are victims and witnesses of violence or abuse.

A Journey of Growth

Avo Vision Project Manager, Antoinette Mthetwa, expresses pride in Bongani’s development as a trainer over the years.

“Seeing Bongani grow into the exceptional trainer he is now has been a true pleasure. His dedication to empowering others is inspiring; it’s evident in the positive impact he’s made on countless lives,” Antoinette says.

Personal Interests

During his spare time, Bongani unwinds by watching rugby.

“It’s a sport that’s physical, it needs dedication and all the strength to succeed. Maybe in my next life, I will be a rugby player,” he says with a smile.

Avo Vision Participates in the DBE's Mass Registration Campaign for ECDs

Avo Vision, in partnership with the Social Employment Fund (SEF), has responded to the Department of Basic Education’s (DBE) call to accelerate the registration of Early Childhood Development (ECD) centres across South Africa. This initiative is part of the DBE’s Bana Pele ECD Mass Registration Drive, aimed at formalising and enhancing oversight of ECD programmes, especially in under-resourced communities.

Supporting ECD Centres

As part of SEF phase three, Avo Vision is currently supporting 56 ECD centres in Cosmo City, Zandspruit, and Itsoseng in Gauteng province. This follows phase two, during which 112 ECDs in Gauteng and KwaZulu-Natal were supported, positively impacting nearly 2,000 individuals and contributing to their livelihoods.

Reducing Operational Costs and Promoting Sustainability

Through the SEF programme, these centres benefit from additional staff hired under the Presidential Employment Stimulus programme, reducing operational costs for ECD owners and promoting business sustainability. The added human resources also help meet the social and economic goals of the centres, ensuring better care and education for children.

Avo Vision Project Coordinator, Mpho Munyai, emphasises Avo Vision’s commitment to fostering the growth of small and micro enterprises, positioning them as catalysts for societal progress.

“We want to see centres become self-sufficient, professionally run, and able to provide excellent education and care to give children a strong foundation, supported by their communities. Building ECD centres' business, admin, and curriculum capacity, along with staff skills, is critical for long-term sustainability and impact. The work we do now is about enabling lasting change and growth in the sector,” Mpho adds.

Formalising ECD Centres

The mass registration drive aims to formalise unregulated ECD centres, improving safety, oversight, and the quality of early learning experiences. Most unregistered centres operate in low-income areas, where children often miss out on vital resources and support. By facilitating registration, these centres can access government subsidies, implement safety protocols, and deliver quality programmes to prepare children for school and beyond.

Real-Life Impact

“Tlangelani Day Care has been working with Avo Vision, and this partnership has helped ease financial pressures and provided extra staff support, allowing us to complete registering with the DBE with ease.” - Maria Masango, the principal of Tlangelani Day Care in Cosmo City, Gauteng

National Registration Goals

Nationally, the DBE aims to register 10,000 additional ECD centres by the end of 2025, adding to the 18,000 currently registered.

Benefits of the Registration Drive

• Assisting ECDs to meet legal and safety standards.
• Expanding access to government subsidies for low-income households.
• Streamlining the registration process for efficiency and inclusivity.

This collaboration between Avo Vision and SEF marks a significant step toward equitable early childhood education, ensuring that all children, regardless of background, have access to quality care and a strong foundation for lifelong learning.

About Avo Vision

Avo Vision is a dynamic social impact organisation dedicated to empowering communities and businesses through education, small business development, and sustainable solutions. We believe that true transformation begins with equipping individuals and enterprises with the knowledge, resources, and support they need to thrive.

Our mission is to tackle critical societal challenges such as poverty, inequality, and unemployment by fostering economic participation and resilience. Through our enterprise development initiatives, we help small businesses grow and create sustainable job opportunities. Our consumer financial education programs equip individuals with the skills to make informed financial decisions, improving long-term economic stability. Additionally, we champion environmental and agricultural sustainability by promoting responsible business practices, resource efficiency, and eco-friendly innovations.

At Avo Vision, we are committed to building a future where businesses and communities can flourish together, driving inclusive growth and lasting social impact.

Training a New Generation of Financial Literacy Trainers

New trainers from across Western Cape, Northern Cape, Limpopo and Mpumalanga recently gathered in Bedfordview to undergo Avo Vision's intensive one-week Train The Trainer (T3) programme. The programme focused on Consumer Financial Education programmes: Money fo'Sho! and our Money Module programmes, which cover essential financial literacy topics.

Bridging Urban and Rural Financial Knowledge Gaps

Avo Vision is looking to expand its national footprint to reach participants and communities across all contexts – urban and rural, formal and informal. Partnering with organisations rooted in communities where they will be delivering the skills is crucial, as they know their communities better and can mobilise as trusted community members.

Through this T3 process, the new trainers were exposed to Avo Vision's unique methodology, which emphasises learning through doing and conversation, allowing trainers to teach effectively in their local languages. This ensures engagement and helps participants comprehend and relate to what is shared.

From Personal Insight to Community Impact

One of the trainers, Sipho Mbonani from Kwamhlanga, Mpumalanga, says this was an eye-opener for him. As someone with a Financial Education Certificate from another service provider, he did not understand the in-depth knowledge of financial products. He further explains that the module that stood out for him was "Boosting Your Income" because, with the state of the economy, people get to learn different ways to make money and realise there are various approaches. "There are a lot of people in communities who are not aware of their talents or even know how to tap into their entrepreneurial mindset instead of looking for employment or waiting for government grants to generate income. This is a great opportunity for me to be the one who empowers my community with such skills," he excitedly explained.

Highlighting the Two-Pot System

The Two-Pot system was the star of the show, as most trainers were fascinated by the in-depth details of how this system works. They had only been hearing about it in news reports and didn't have all the insights, but are now confident to share with others. One of Avo Vision's trainers, Modjadji Raphekela, who has been conducting sessions since 2017, demonstrated this module: "This was personal for me. It touched me as a teacher by profession because a lot of people make mistakes, so I wanted to share my knowledge as we already had an online T3 before the system was implemented." Modjadji further explains that she is looking forward to building relations with new trainers and enjoyed connecting with them, as she got an opportunity to learn new tricks and tips in facilitating sessions.

Personal Growth and Financial Transformation

At Avo Vision, we believe that the trainers are lifelong students as they learn new things every day. Angeline Naidoo from George, Western Cape, says she was aware of financial education programmes as a facilitator but was not aware of the deeper details and is now implementing them in her personal life. "I am now re-evaluating my budget as well as my insurance for the car, and I have started looking for other ways to increase my income thanks to 'Boosting Your Income'." Angie further commends the training master for keeping the energy level high and for the clear delivery of all lessons.

Looking Ahead

According to Avo Vision's Project Manager, Lutendo Mukhuba, what was different with this year's T3 is that the trainers were very knowledgeable as first-timers and most had experience in consumer financial education. "I am looking forward to expanding our national footprint, because we are now in areas that we were not in before. I enjoyed all the presentations and learned a lot about the Two-Pot System, which left me with no questions."

Community Empowerment Mission

Avo Vision is proud to deliver sessions of high standard to communities. These trainers will be added to the 40 active trainers who are already in communities delivering financial education and enterprise development skills. To partner with us to equip societies with essential skills, contact engage@avovision.co.za and see the new opportunity for change.

Ndzilo Briquettes: How Agricultural Waste Became a Market Success 

South Africa's unemployment crisis continues to pose significant challenges, especially for young people like Given Ngwamba, who struggled to find employment despite holding a Diploma in Sound Engineering from the National Electronic Media Institute of South Africa. Turning to innovation, he developed environmentally friendly methods to produce charcoal and briquettes from agricultural waste, including groundnuts, sugarcane, macadamia shells, and mango leaves. Today, his business, TNK Greenhouse Technology produces green briquettes popular for their long-burning characteristics.

Avo Vision Boosts Workforce and Market Access for TNK 

However, building a green business presented hurdles, including lacking human resources, market facilitation and access to advanced equipment like a briquette-making machine, which limited production capabilities. Avo Vision as one of the strategic implementing partners of the Social Employment Fund (SEF) under Avo Vision's Green Business Value Chain (GBVC) provided a lifeline for Given’s business, TNK Greenhouse Technology. Through the programme, Given received business acumen training and human resources costs were covered by the employment stimulus funding, enabling the business to expand its operations and workforce. 

How Avo Vision's Support Transformed TNK 

As part of SEF’s third phase, launched in August 2024, TNK Greenhouse Technology now employs 17 previously unemployed participants. These individuals not only gain job experience but also attend Avo Vision’s ‘Boosting Your Income’ training, equipping them with entrepreneurial and financial literacy skills to ensure sustainability should SEF support cease.

Avo Vision’s training modules, such as ‘Boost Your Income,’ reach participants across South Africa through online platforms like WhatsApp, Zoom and Microsoft Teams. This community-based training empowers participants with financial skills, entrepreneurial thinking and a pathway to job security or business creation.

SEF Fuels Expansion of Given’s Eco-Friendly Business Vision

Given’s business is currently diversifying into biochar for soil amendment in agriculture and expanding into firelighters. Through Avo Vision’s SEF programme, Given has transformed his passion into a thriving business while empowering his community. His advice to others is clear: “Follow your passions and your dreams. Green businesses are challenging, but with courage, doors will open.”

Avo Vision Combines Environmental Restoration with Job Creation

To combine environmental restoration with economic development, Avo Vision's Green Business Value Chain (GBVC) initiative is a leading force in sustainable entrepreneurship in South Africa. The initiative has successfully created over 1600 jobs in green business in the past two years while clearing thousands of hectares of invasive species, demonstrating how environmental challenges can be transformed into economic opportunities.

By collaborating with Avo Vision, stakeholders gain access to a proven model that transforms invasive biomass into value-added products like charcoal, briquettes and firewood. Furthermore, Avo Vision’s expertise in programmes implementation, combined with its commitment to capacity building and fostering innovation, ensures that partners contribute meaningfully to creating a sustainable future while achieving measurable impact and creating meaningful livelihoods.

New Dawn for Resettled Families as Livelihood Programme Takes Off

Thembekile Mathibela, whose name symbolises 'Mafube,' which translates to 'the dawning of a new day' in Sesotho, emerged victorious at the recent Mafube Trade Exhibition Day, winning a R1500 Game shopping voucher. Thembekile, popularly known as Thembi, is among the 20 participants currently on the Livelihood Restoration Entrepreneurship Development programme implemented by Avo Vision in partnership with Mafube Coal Mine. The programme aims to enable resettled beneficiaries of Hlalamnandi and Sikhululiwe Village with entrepreneurial skills.

Thembi Expands Business with Mafube Coal Mine’s Support

Mafube Coal Mine has been instrumental in supporting Hlalamnandi and Sikhululiwe families but recognises that the mine’s role cannot be indefinite. By fostering entrepreneurship and self-sufficiency through this programme, Mafube hopes to pave the way for a more secure and independent future for these resettled communities. Thembi, a determined and skilled entrepreneur, launched her baking business in April 2024 after enrolling in the programme. Previously running a small takeaway business, Thembi expanded her business venture to include baking by leveraging her culinary skills and boost her income. Balancing multiple ventures, she also operates a cleaning business, which has been operating for just over a year. “When this programme started, I didn’t think it would turn me into the businesswoman that I am today; a woman who sees any opportunity in a very situation and turn those opportunities into business ventures. It’s not easy but the support that we receive from our mentors and other participants that are in this programme makes me wake up with renewed determination every day,” Thembi adds.

Thembi Wins Top Prize at Exhibition for Her Vibrant Stall and Business Model

For her vibrant stall and clear business model at the exhibition, Tembi was announced as the first prize winner, something she says she never expected, even though she was able to attract a steady flow of customers at the exhibition.“This prize validates that hard work, long hours and consistency pay off. With the voucher that I won, I am going to buy some of the baking utilities that I currently don’t have so that I can be even more productive and explore my creativity,” the 38-year-old says.

Malusi Khumalo's Butchery Gains Recognition and New Customers

Malusi Khumalo, Avo’s Local Extension Officer and owner of the only butchery in his village, won the third prize at the exhibition. After joining the programme, Malusi started a butchery and is currently the sole provider of fresh meat in his community, eliminating the need for residents to travel to town for their meat needs. “I wouldn’t have started this business if it wasn’t because of the skills and knowledge I gained from this programme. I am now able to provide for my family and can see a bright future after being unemployed for a while now. The exhibition was a great chance to advertise my butchery to the community and connect with new customers,” the 26-year-old says. Malusi says his immediate goal is to purchase a larger fridge to increase storage capacity and branch out to other nearby communities.

Avo Vision’s Impact on Community Development

Avo Vision Project Manager, Antoinette Mthetwa, says the programme has had a profound impact in these communities because almost all the participants on the programme didn’t have any income before establishing their business. Now, they can support their families without solely depending on government grants. “The exhibition has highlighted the impact that practical livelihood restoration plans can have on community development and that’s what Avo aims to achieve in each community and province that we have a footprint in. I can’t wait to see where these participants will be in the next 6 months or so,” Antoinette explains with pride.

Celebrating Local Innovation: Prizes Awarded at Mafube Trade Exhibition Day

The exhibition was also attended by SRK, a consulting firm that provides services in mining and municipal engineering and the ward councillor, Iddy Mahlangu. The 12-month programme will run until March 2025.

The participants’ success story highlights how local entrepreneurs, with the right skills and support, can make a powerful impact on their livelihoods, families, communities.

Mafube Trade Exhibition Day Prizes

• First place: R1500 Game voucher (Bee Kind Kitchen – Bakery)
• Second place: R1000 Game voucher (Hlabasa Services Supply – Internet Cafe)
• Third place: R500 Game voucher (MK Butcher – Butchery)
• All other participants: R100 Game vouchers, courtesy of Avo Vision and Mafube Coal Mine.

From YouTube Tutorials to Green Business Success

When Siyonwabele Matiwane, a chemical engineer, learned how to produce charcoal from YouTube and Google, she embarked on a journey that would lead her to become one of the 17 green businesses based in Eastern Cape. SL Tita Holdings, her company, stands out as it didn't start with others incubated in the Green Business Value Chain in Matatiele's villages.

Finding Support Through SEF Programme

This curious entrepreneur's path crossed with Avo Vision and the Social Employment Fund (SEF) Programme at a crucial moment: "When I couldn't get market for my charcoal, I did research which led me to Avo Vision, which introduced me to the Social Employment Fund Programme. This was a perfect opportunity for me because it came at a time where I wanted to close my business." The Social Employment Fund is a programme (SEF) that forms part of the Presidential Employment Stimulus Fund and is implemented by IDC to reduce the rate of unemployment in the country while also solving South Africa’s key social, environmental and economic challenges through placing unemployed South Africans into organisations and programmes whose purpose is to solve these key challenges thus killing 2 birds with 1 stone.

Expanding Operations and Workforce

Initially operating with just 1 kiln and 7 employees paid from her own funds, SEF's support transformed Siyonwabele's business. The programme provided stipends for 15 additional employees, allowing her to reinvest savings into crucial equipment: 3 metal chambers (kilns) costing about R8000 each, a chainsaw and PPE for her workforce.

Learning from Peers and Improving Production

As an "adopted" business based in Qumbu, Siyonwabele took the initiative to learn from her peers: "I dedicated a week to visit different sites and realized that the charcoal that I have been producing is of high quality. I learned the type of biomass to use as mine was little in size and have improved a lot after the visits." Her curiosity led her to explore various production methods, including the earth-burning technique, though she ultimately stuck with the more efficient kiln method.

Achieving Tangible Results

Since February, her efforts have yielded impressive results: 4.2 hectares of African wattle cleared, 8,969 kg of charcoal produced, and 1,250 kg sold. She recently secured a deal to supply 150 kg of charcoal to her local Spar. Beyond marketing her products, she actively seeks funding to expand her business. Support from SEDA (Small Enterprise Development Agency) will provide her with kilns, chainsaws, and fencing for her site.

Her entrepreneurial curiosity led her to search online for growth opportunities, where she discovered the SAB Foundation's entrepreneurship awards. Taking a chance, she applied and was awarded R300,000 in funding, which she plans to use for equipment to increase production capacity. "I am so excited and grateful for this particular award because it's not only monetary – I will also receive mentorship, coaching, and therapy sessions, which will be invaluable since the entrepreneurship journey isn't an easy one," Siyonwabele concluded.

Implementing Business Best Practices

The partnership with Avo Vision through SEF didn't just boost production; it revolutionized Siyonwabele's business practices. "When I was working on my own, I didn't have contracts for my employees. They now know there's time to clock in and out and admin to be updated to track all the business records," she explains, highlighting the importance of proper management and compliance.

The Broader Impact of Supporting Small Businesses

Henry Sebata, Avo Vision Managing Director, emphasizes the broader implications of supporting such enterprises: "If we believe that micro and small businesses are a key solution to the country's unemployment challenge, then we need to rally around them with meaningful and functional support. From Avo Vision's experience, these small businesses are clearly languishing in their need for business management improvement. And as the imperative fulcrum around which a business turns, good management is essential for the entrepreneur's success."

Conclusion

Siyonwabele's journey, from conducting charcoal trials and lab tests in 2022 to her current success, exemplifies how curiosity, determination and the right support can transform a struggling business into a thriving enterprise, contributing to both environmental sustainability and local employment.

By Hanli Buber, Avo Vision Head of Community Education

South Africa's National Treasury has proposed a significant change to the retirement savings landscape with the introduction of the "two-pot" policy. This reform aims to balance long-term savings with limited pre-retirement access to funds, potentially reshaping how South Africans approach retirement planning. The implementation of this system comes at a time when the South African economy is experiencing significant tightness, adding both urgency and complexity to the reform.

The ‘two-pot’ system was formally implemented on the first of September 2024. This system aims to balance the need for long-term retirement savings with the ability to access funds in emergencies.

The system divides retirement contributions into two components:

The Savings Pot: One-third of the contributions go into this pot. Members can access these funds before retirement in case of emergencies.

The Retirement Pot: The remaining two-thirds are allocated here. These funds are preserved until retirement and must be used to purchase a pension-providing product.

The policy aims to ensure that a significant portion of retirement savings is preserved until retirement, but also allows members to access a portion of their savings in times of financial distress without needing to resign from their jobs.

Given the current state of the South African economy, with rising inflation, overwhelming unemployment, sluggish economic growth due to infrastructure deficits and the lingering effects of electricity shortages, saving becomes crucial. Saving is important for financial security. It helps people cope with rising costs so that they can maintain their purchasing power. It helps to ensure future financial stability.

The impact of the tight economy has been that retirement savings have been significantly reduced. Contributions have become irregular. Economic hardship has led to an increase in early withdrawals from retirement funds. The retirement funds have not been performing as well as expected. Many households are also spending more than they earn, often by taking on more debt or by depleting their existing savings.

The two-pot policy has the potential to alleviate financial stress in a few ways: It gives people immediate access to funds for emergencies without having to resort to expensive high-interest debt. It enforces retirement saving and reduces financial anxiety. It should also prevent employees from resigning from their jobs to access their retirement funds.

The potential negative impact of the two-pot system is that it may affect people’s future financial security. Their retirement savings will ultimately be reduced, and reduce further every year, because many will take out whatever they can each year.  The withdrawals will not always be for emergencies, but because of poor spending habits.  

The potential risk of the two-pot system is a further and inevitable shortage of people’s wealth for retirement, because a third of people’s retirement saving will get used before they retire, reducing financial security. The reality is that the South African culture of poor retirement saving is most likely to continue. On the bright side, some people might be willing to start saving into a retirement vehicle now, because they know they can get at some of their money before they retire. 

Looking at what has been happening since the first of September, the withdrawal activity within the first month has been frenetic for fund administrators.  The figure is around six billion Rand withdrawal applications in the first three weeks.  SARS is the biggest winner, getting on average probably 20 to 25% of that in tax payments.  

Due to the high demand from consumers to access their savings, there have been delays in payments. Some members are having to wait a long time to be paid out because their retirement funds are experiencing liquidity issues, especially during the initial implementation phase. 

The two-pot system is exposing some other disturbing realities. Some members have already been horrified to discover that their pension fund money is not actually there to withdraw.  A couple of hundred million Rand of ‘missing funds’ have been unearthed already.  This happens when an employer deducts funds from an employee but does not pay the money across to the fund administrator, either due to inefficiency or because the company is spending the funds itself.  It can also happen when the fund administrator, who has received money from the employer, does not pay it across to the asset manager or the insurance benefits provider.
This will result in some further industry and legal actions, and sleepless nights for the consumers involved. 

The upside is that banks will have some loans reduced and the economy will benefit tremendously, because even though these withdrawals are supposed to be for emergencies, most of them will simply be for wanting to spend money. With the expectation of 50 to 80 billion Rand of withdrawals in the first year, SARS and the economy will smile.  

While South Africa’s two-pot policy offers a more structured and balanced approach compared to other international models, particularly those implemented during economic downturns, it is not fool-proof. It aims to provide some immediate financial relief, while ensuring that a portion of people’s long-term retirement savings are preserved. The effectiveness of the system will depend on how well it can mitigate financial stress without leading to excessive withdrawals that could undermine retirement security.

It is super-important for all South Africans to understand the benefits, risks and limitations
of the two-pot policy. Education and awareness are crucial for its success.

The kinds of strategies people could implement to protect themselves financially and optimise their retirement savings under the new system, include:

• Making regular (preferably automatic) contributions to a retirement fund, even if they are small. This helps build a substantial retirement pot over time.
• Creating and maintaining a separate emergency fund to cover unexpected expenses. 
• Only accessing the savings pot for genuine emergencies.
• Reducing debt to free up more money for retirement savings and avoiding new debt. 
• Consulting with a financial advisor to make informed investment decisions that align with retirement goals and risk tolerance.
• Knowing the tax implications of withdrawals from the savings pot. 
• Planning withdrawals strategically to minimise tax liabilities. 
• Taking advantage of any tax benefits associated with retirement contributions to enhance your savings. 
• Educating yourself and your employees. 

This last point is important. People should attend workshops, read articles, ask experts and make sure that they do what it takes to stay informed. Employers can play a significant role in the financial education of their employees. Employers must encourage their employees to participate in financial literacy workshops or seminars to enhance their knowledge and skills in managing their finances. Understanding the two-pot system and how it works can help people make better decisions.

Education helps individuals understand the structure and purpose of the two-pot system, including how contributions are divided and the implications of accessing the savings pot. Educated members are more likely to make informed decisions about when and how to access their savings, balancing immediate needs with long-term retirement goals. Education can guide individuals to use the savings pot responsibly, ensuring that withdrawals are made only for genuine emergencies.

Avo Vision has designed specific training content to train consumers on the two-pot policy and its implementation. Our field trainers have already reported that their participants have changed their minds about accessing their savings pot after realising what the detrimental long-term implications are of doing so. Understanding the tax implications of withdrawals can also prevent individuals from facing unexpected tax burdens, which could further strain, instead of alleviate, their financial stress.

Educating people to balance short-term needs with long-term savings is crucial for long-term financial stability. Avo Vision field trainers regularly conduct consumer financial education workshops and online webinars that focus on the importance of long-term savings. They explain and illustrate the sometimes-dire consequences of prioritising instant gratification and short-term needs.

In our training workshops, our trainers share personal stories, and case studies of individuals who have successfully balanced short-term needs with long-term savings, highlighting positive and achievable outcomes. They also tell the real-life stories of what happens if you do not manage your money responsibly. 

Apart from training, public campaigns and social media awareness drives, individuals must be encouraged to seek advice from financial advisors who can provide personalised strategies based on their unique financial situations. Financial support groups could also offer support to individuals where they can share experiences and strategies for balancing short-term and long-term financial goals. Financial literacy should also be integrated into school curriculums to instil good financial habits from a young age.

Long-term, the two-pot system is expected to increase household disposable income significantly, which can stimulate consumer spending, contributing positively to economic growth. This modest boost can help counteract some of the economic challenges the country faces, such as slow economic growth and high unemployment.

By providing a structured way to access retirement savings in emergencies, the two-pot system may reduce the need for high-interest debt, which often exacerbates people’s financial difficulties. However, if consumers are not educated on how to manage their money better, there is still a risk that they may access their savings pot, and once that is depleted, they will have to take out high interest loans anyway. 

A significant portion of the population may not fully understand the implications of early withdrawals, leading to premature depletion of their savings. Mandated benefit counselling and financial education programmes can help members make informed decisions about accessing their savings. 

By regularly monitoring and evaluating the system’s impact to identify and address any emerging issues and by putting appropriate safeguards in place, the two-pot policy may achieve its goals of providing financial flexibility while ensuring long-term retirement security for South Africans. To ensure the best outcome of the implementation of the two-pot system, I am ultimately in favour of continuous financial education programmes. Financial education can help individuals make better financial decisions and live bigger lives, whether they access their savings pot or not.

Introduction to Money Smart Week South Africa (MSWSA)

The National Consumer Financial Education Committee (NCFEC) launched Money Smart Week South Africa (MSWSA) in 2018. Over the past six years, MSWSA has reached millions of South Africans through mainstream media, community radio, exhibitions, television, social media, and face-to-face workshops. The key objective of MSWSA is to provide a national collaborative platform that mobilises a wide range of stakeholders to empower, educate, and motivate South Africans to become more financially literate citizens.

Avo Vision's Role in Financial Education

Avo Vision has proudly been part of this movement since 2020. Through funding partnerships, Avo Vision has expanded access to financial skills, products, and services, helping more consumers make informed financial decisions and live better lives. Hanli Buber, Avo Vision's Head of Consumer Education, explains, “South Africans generally lack financial literacy. A 2021 survey conducted by the Organisation for Economic Co-operation and Development (OECD) revealed that only 42% of the adult population in South Africa is financially literate. This means that more than half of the population does not understand basic financial concepts such as interest rates, inflation, and savings. The gap is especially prevalent in rural areas and among low-income groups, where access to financial education is limited. As a social impact and community development organisation, we are committed to taking education where it’s needed most.”

Women’s Month Celebration: Empowering Women in Soweto

On the 30th of August 2024, in celebration of Women’s Month, Avo Vision sponsored a group of women in Soweto to attend a 6-hour "Money Fo’ Sho" programme, designed to equip participants with essential financial skills and knowledge. The topics included Managing Money, Managing Risk, Banks and Savings, and Managing Credit. These all align with this year’s theme, "Protect Your Money, Secure Your Future."

Exceeding Expectations: Growth of the Programme

Despite an initial target of 32 women, the numbers grew quickly through word of mouth. Avo Vision finally trained a group of over 60 participants. Avo Vision trainer Crystal Tau reflected on the experience: “This session was truly special. The participants were eager and full of enthusiasm. We tried to manage the number of attendees, but more and more women from the community kept joining in. It was inspiring to see how these women were so excited to learn and help each other. Many of the women began discussing how they could start small businesses to supplement their incomes. When they realised that a skill or talent could be turned into a business, they started sharing their talents, getting support and encouragement from the group. Boosting Income is a key topic we cover, especially in this economy where multiple streams of income are essential."

Impact on Participants

One participant, Ntombizodwa Motsae, shared how the workshop was a turning point for her. “This training was an eye-opener. I realise that I have made a lot of financial mistakes, but I didn’t know any better. I didn’t even realise I could save 20% of my income. I was trapped in a cycle of loan sharks, and I had no idea how to manage my finances. Learning that I can contact creditors and negotiate payment plans was a game changer for me.”

Avo Vision's Ongoing Commitment to Financial Empowerment

Through partnerships and innovative programmes, Avo Vision has equipped over half a million individuals with financial skills. The organisation remains dedicated to bridging financial literacy gaps and contributing to a more equitable society. Avo Vision continues to make a meaningful impact across the country, particularly through the digitalisation of its "Money Fo’ Sho" and "Money Modular" programmes. As a proud supporter of the MSWSA campaign, Avo Vision actively participates as an implementing partner for various Consumer Financial Education funding initiatives, while also hosting free financial skills workshops to further its mission of financial empowerment for all.