5 December 2024
Est. Reading: 3 minutes

New trainers ready to empower their communities with financial skills!

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.

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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.

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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.

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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.

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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. 

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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."

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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.”

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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."

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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."

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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.

Green Businesses in Matatiele Receive Herbicide Support to Combat Invasive Species

 The Green Business Value Chain: Empowering Local Entrepreneurs

In August 2024, the Department of Forestry, Fisheries and Environment (DFFE), in partnership with Avo Vision, provided herbicide to 14 green businesses in Matatiele. These businesses play a crucial role in clearing invasive alien plants, which consume significant amounts of water and pose a threat to local biodiversity. Through Avo Vision’s Green Business Value Chain Programme, these businesses have sustainably cleared over 250 hectares of wattle since the end of 2020, restoring 500 million litres of water per year and livestock grazing rangelands.

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Combating Invasive Species: A Multi-Pronged Approach

Key to the permanent removal of alien and invasive species is the aftercare on rangelands  that ensures that the impact of the efforts is sustained. The application f herbicide, amongst other strategies, is one way to drastically reduce the chances of regrowth. The Green Business Value Chain is a programme that supports businesses in rural areas involved in nature-based sectors such as Working for Water, conservation, and alien invasive species clearing programmes. Our support for these social and environmental entrepreneurs includes business acumen training, technical coaching, and mentorship. Avo Vision’s efforts in facilitating access to markets and finance are indispensable to the success of these enterprises. The aim of this programme is to restore landscapes to their original state, supporting biodiversity and providing community benefits such as agricultural grazing and water restoration.

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Water Security and Biodiversity: The Twin Benefits of Alien Plant Removal

The donation included 260 litres of Astra herbicide, 260 litres of Lumberjack herbicide, 52 litres of blue dye, 390 kg of Kilomax, and 33 kg of Kaput Gel. This support will enable the 14 businesses to clear approximately 228.87 hectares of invasive plants over how long?. The aim is to foster a sustainable environment by ensuring the regrowth of these species is prevented.

One of the business owners, Pinkie Mdleleni of Terra Community Services, expressed her gratitude: “This support will really help us, as we have been struggling with the regrowth of cleared areas, making us feel like our efforts were in vain. The cost (of herbicide) is significant and takes away from our profits.”

The Economic Impact of Ecological Restoration

Since 1995, the Department of Forestry, Fisheries and Environment had spent approximately R1.8 billion per year on removing invasive species. Thumeka Mdlazi, Deputy Director of the DFFE, emphasised the importance of this programme, especially because Matatiele is one of South Africa’s key water source areas. “This is one of the three pilot projects we are supporting. It is our department’s mandate to ensure the removal of invasive species, followed by the application of herbicide. This is a heavy financial burden for small businesses trying to create jobs and alleviate poverty,” she said. The herbicide support provided is worth R11,660 per business.

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Turning Invasive Plants into Valuable Products

The Green Business Value Chain Programme maps locations where large infestations of alien and/or plants have caused water sources to dry up, rangelands to deteriorate and agricultural livelihoods to be affected. A major aspect of the programme is to work with local communities to identify, select and train entrepreneurs to become efficient business owners capable of removing invasive plant species. The biomass from these plants is beneficiated through micro-industrial, artisanal set-ups that produce value-added products, such as  firewood, charcoal, biochar, briquettes and animal feed

In addition to helping businesses identify invasive species, Avo Vision also facilitates the sale of products and works with local and international partners to market and distribute products made from invasive biomass. Clearing these alien species not only strengthens South Africa’s water security but also provides economic benefits and improves the livelihoods of local communities through the businesses it stimulates.

In line with the 2017/18 Global Entrepreneurship Monitor's report, entrepreneurial activity in South Africa has surged to its highest level since 2013. As economic challenges persist, one in three South Africans is turning to side hustles to supplement income and meet financial needs. Regardless of income levels, acquiring revenue-generating skills is crucial to not only pursuing dreams and ambitions, but meeting daily needs too.

Avo Vision’s Commitment to SEF Participants

Avo Vision is committed to ensuring that the participants in the SEF programme do not return to the same incomeless situation that they were in before joining this employment creation initiative. As a result, in just 2 months, 997 participants have undergone the "Boosting Your Income" training programme, offering them the opportunity to explore new income generation alternatives.

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Confidence in Skills and Business Potential

After attending these training sessions, participants express newfound confidence in their talents or skills, coupled with a desire to start businesses and manage their finances more effectively. Recognising the fundamental role of interests, talents, skills and business ideas is well-underscored in this module.

Moving Towards Business and Financial Independence

Participants enthusiastically embrace this new knowledge, believing it will guide them in the right direction. One participant shares: "I have had some thoughts on how I could retire - this workshop has given me an idea of a business I can go into in preparation for retirement.”

Another participant notes: “I have learned so many ways that I can possibly make money.”

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Personal Finance: A Cornerstone of Business Success

This training also encompasses personal finance because Avo firmly believes that unless a businessperson takes their personal financial health and wealth seriously, they are unlikely to manage a business to its full potential. Thato Bogopa, assisting at Mahlasedi Day Care and Night Care in Nellmapius, attests that the "Boosting Your Income" module opened her mind, teaching her valuable business skills. She states: "This taught me that you can have different businesses and explore different funding opportunities. I feel like I just tapped into my new potential, and the stipend will help me start my food business."

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Avo Vision’s Long-Standing Role in Financial Literacy

Since 2009, Avo Vision has cultivated partnerships with different organisations, launching a spectrum of financial literacy and entrepreneurship initiatives aimed at fostering prosperity in the lives of South Africans. To date, our efforts have empowered over 500,000 individuals with essential financial education skills. Our content is deeply grounded in the practicalities of day-to-day money management, offering flexibility in delivery—whether as stand-alone modules or in a sequential format—allowing participants to systematically enhance their financial skills, competence and knowledge.

How Avo Vision's SEF 2 Project Ignited Economic Empowerment in South Africa

Economic Empowerment From Unemployment to Opportunity: Avo Vision's SEF 2 Success Story

From September 2023 to June 2024, Avo Vision in Partnership with IDC (Industrial Development Corporation) embarked on an ambitious journey with the Social Employment Fund 2 (SEF 2) programme, aiming to tackle unemployment and boost small business sustainability across seven South African provinces. As we reflect on the project's achievements, the impact is clear: lives were transformed, businesses flourished, and communities were strengthened.

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Creating Opportunities, Changing Lives

The SEF 2 project surpassed its initial target, creating 1,822 jobs against a goal of 1,100. Of these, 1,438 participants remained active until the end of the project, with 62% being women and 65% youth. This initiative was a lifeline for many, considering that 80% of participants had previously relied on government grants for survival.

The programme's impact extended beyond mere employment. Participants gained valuable work experience and skills, with over 90% expressing confidence in their ability to secure future employment. Moreover, the entrepreneurial spirit was kindled, with 29% of participants starting side businesses during their time in the programme.

Phitha Arnold from Limpopo exemplified the project's transformative power: "I am now able to produce charcoal and firewood, teach my community about land restoration, and I am now a business owner."

For Tiki Zuziwe in Western Cape, the financial stability was transformative: “The programme made a significant difference in my life. I was struggling, especially with my husband being unemployed, but now, with the wages I earn, I can accomplish much more at home.”

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Empowering Small Businesses

The SEF 2 project onboarded 162 small businesses, including 114 Early Childhood Development (ECD) centers and 48 green businesses, surpassing the initial target of 90. These businesses experienced significant growth, with ECDs showing a notable increase in higher income brackets. The percentage of ECDs earning more than R15,000 per month increased by 8%, while those earning R10,000-R15,000 grew by 3%.

Access to technology improved dramatically for participating businesses. Online banking usage increased by 22% among green businesses and 17% among ECDs. Laptop access grew by 7% for green businesses and an impressive 16% for ECDs.

Expanding Horizons

The programme enabled businesses to diversify their offerings. ECDs introduced services such as computer lessons, aftercare, and gardening. Green businesses expanded into wood production, biochar manufacturing, and briquette making.

Netshandama Govern from Gauteng spoke to the collaborative spirit fostered by the programme: "I worked with a supportive team. It enhanced my performance. I had the opportunity to expand my network and build lasting relationships."

Challenges and Lessons Learned

Despite these successes, challenges remained. Green businesses faced difficulties in securing markets and obtaining necessary certifications. ECDs struggled with fee collection and infrastructure limitations. These insights provided valuable direction for future interventions and support.

Environmental Impact

The project made strides in environmental conservation, with 1,117 hectares of land cleared or thinned of alien and invasive plant species. This effort restored an estimated 292,033,000 liters of water to the ecosystem.

Looking Ahead

The SEF 2 project demonstrated the power of targeted intervention in creating sustainable livelihoods and supporting small business growth. As the project concluded, the focus shifted to addressing identified challenges, such as improving market access for green businesses and supporting ECDs with fee collection strategies.

The impact of this project was profound. Each participant, supporting an average of four dependents, helped the programme positively affect around 7,288 lives across seven provinces.

Masuku Nondumiso Nokuthula from Tshwane exemplified the growth and sustainability encouraged by the programme: “When I began with the SEF programme, I didn’t have a business. However, I managed to save money and start one. Now, I save money every month.”

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As we celebrated these achievements, Avo Vision remained committed to refining its approach, leveraging lessons learned, and continuing to drive positive change in South African communities. The SEF 2 project served as a testament to what could be achieved when opportunity met determination, paving the way for a more inclusive and prosperous future.

Betty Mnyakeni a participant from one of the ECD’s in Nellmapuis, Tshwane summed up the project's impact succinctly: "The programme helped me start a business and I am now able to provide for my family."

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Avo Vision's Managing Director, Henry Sebata, shared his pride in the project's achievements:

"This is a wonderful milestone. Avo Vision is proud to be one of the Social Employment Fund Strategic Implementing Partners that did extremely well, especially when it comes to compliance. Avo is proud that 1,187 of the participants were youth as we continue to ensure that we contribute to youth employment. The idea of Avo is to equip, empower, and ignite the passion for people to propel within the organisation and outside. Behind the work that is done are lives and communities that are changing for the better."

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The Challenge of School Placements in Gauteng

The Gauteng government has introduced an online application process for Grade 1 and 8 students. In the past, over 30,000 Gauteng learners faced delays in securing placements for Grade 1 and 8 in the 2018 academic year, causing concerns for parents as it is a barrier to access schooling, a constitutional right of all citizens and children.

The Birth of Perfect Start Academy

However, this challenge became an opportunity for Muzi Nkosi, the founder of Perfect Start Academy in Cosmo City. Muzi noticed that many children in his neighbourhood could not access entrance into schools, inspiring him to start his own academy. Initially beginning as a tutorial program, it eventually evolved into a fully-fledged school offering Grades 1 to 7.

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Growth and Development

Recognising the community's struggle, Muzi approached Joburg Property Company (JPC) for a small portion of land. Gauteng Enterprise Propeller (GEP) donated a brick-making machine, and they began constructing buildings. Starting with only 12 learners, Perfect Start Academy now accommodates 138 learners, up from 80 at the start of the SEF programme and offers English, Maths and Science. Enrolment has grown organically through word of mouth, generating interest from other parents.

Social Employment Fund (SEF) Impact

Muzi's Perfect Start Academy is one of 113 Early Childhood Centres supported by Avo Vision through the IDC SEF Programme and has employed five individuals previously unemployed, aged between 24 and 43, for support roles in teaching, tutoring, administration, cleaning and general tasks. This opportunity not only improves their skills but gives them much-needed on-the-job experience and also increases their employability to enter the market anew. With SEF covering the employee salaries, Muzi has been able to save and invest in improving infrastructure at the school. With savings from the human resources costs, Muzi has been able to finance the purchase of materials for the addition of two additional toilets.

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Perfect Food Gardens: Beyond Education

In response to social and economic challenges, the SEF participants at Perfect Start Academy initiated a food garden, planting moringa, momolia, onions, beetroot peas and chilli. The produce is sold to the local community, increasing income to the centre and providing nutritious food for learners. This initiative led to a partnership with Nandos, with the academy becoming one of their chilli suppliers, a Perfect Start indeed and example of the power of transforming educational spaces beyond learning.

Sustainable Growth and Community Impact

Witnessing substantial progress in a short period, Muzi has absorbed three teachers from SEF participants and supports 10 non-fee-paying children, previously representing 19% of the school population. Notably, these parents have started paying full fees, and enrollment has increased by 53 learners, driven by positive word of mouth from existing parents.

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Conclusion

Muzi's Perfect Start Academy is a shining example of how Government's Employment Stimulus Programme through the IDC triggers not only entrepreneurial impetus, unlocks innovation and expands opportunities to grow micro and small businesses in township areas through leveraging crisis and problems into impactful solutions.

Avo Vision is committed to the journey of identifying, nurturing and supporting social impact entrepreneurs like Muzi and is proud of our role as Implementing Partner through the IDC's SEF programme to strengthen and accelerate the growth of small and micro enterprises as a catalytic resource in society and converting unemployed talent into champions of transformations.

Alternative Energy Solutions: Our Commitment to Sustainable Business Growth

“The IDC is dedicated to enabling sustainable development and growth for South African businesses. By investing in renewable energy solutions, we are not only helping businesses to withstand load-shedding, but also to expand their operations sustainably.” - Stuart Bartlett, Programme Manager at the Industrial Development Corporation.

Avo Vision is one of the strategic implementing partners rolling out the Township Energy Fund, a R15 million project which aims to positively impact Micro, Small, and Medium Enterprises (MSMEs) in townships, rural areas, and small towns across the country. This initiative proves the government’s commitment to promoting entrepreneurship as a vehicle for economic growth.

Installations have already started in Soweto, Vaal, and West Rand, where 45 MSMEs are being supported with alternative energy solutions. This initiative will ensure business continuity, growth, expansion, increased turnover, and job retention. Avo Vision is proud to be a partner in this transformative project, equipping small businesses with alternative tools, business acumen training, and coaching to enhance their operations.

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Resilience in the Face of Load-Shedding

One of the selected entrepreneurs in Vaal is Siphokazi Gatyes, the owner of "Nthodi’s Place," a pub that sells food and beverages. This establishment, founded in 2020 during the COVID-19 pandemic, faced challenges due to lockdown and post-COVID load-shedding. Siphokazi explains how load-shedding severely impacted her business, causing food spoilage and warm beverages, as power cuts sometimes lasted over four hours, often followed by unplanned outages.

Overcoming Challenges: A Success Story from Beverly Hills

Despite these challenges, "Nthodi’s Place" has not only created jobs within the Beverly Hills community—employing four locals, including two youth—but has also contributed to community safety. "With the rechargeable lights we installed, our place was the only one with lights during load-shedding, making it safer for people to walk in the streets after dark," Siphokazi shared. "There was a robbery at a shop a few meters away from us, and thanks to our CCTV cameras, we were able to capture the suspects' registration number." This incident highlighted the importance of finding a long-term alternative energy solution.

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Empowering Women in Male-Dominated Industries

At just 29 years old, Siphokazi feels honoured to be recognised by such a programme as a female operating in a male-dominated industry. The initiative will keep her business running smoothly, ensuring her customers remain entertained and do not need to travel to other areas of the township to unwind. Her pub also serves as a networking hub, adding even more value to the community.

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Avo Vision’s Role in Promoting Economic Sustainability

Avo Vision is privileged to be part of this progressive programme, which aims to boost the local economy while providing essential life skills to vulnerable communities. This project builds socio-economic confidence, encouraging people to take charge of their economic futures.

“Key to business sustainability is an enabling environment, which consistent electricity contributes to. Being one of the implementers of the Township Energy Fund is well-aligned with Avo’s commitment to building sustainable communities, to which entrepreneurship is a key lever,” comments Khwezi Fudu-Cenenda, Enterprise Supplier and Development Director at Avo Vision.

Phineas Hlatshwayo Expands Dipalesa Day Care with Avo-SEF Support

When COVID-19 hit in 2020 and the whole world was in shutdown, Phineas Hlatshwayo, the principal of Dipalesa Day Care, also shut down his dream of establishing an additional branch of his daycare to another part of Cosmo City. All this changed in 2023 when Dipalesa Day Care became part of the 112 ECDs in Gauteng and Kwazulu-Natal that Avo Vision supported through the Social Employment Fund (SEF) programme. Within being on the Avo-SEF programme for 10 months, Phineas opened a second branch of his daycare in Cosmo City and attributes this achievement to Avo-SEF support. “It wouldn’t have been possible if it wasn’t for the Avo-SEF programme. I saw this as an opportunity to realise my dream, which was to open another branch and I finally did it,” Phineas explains.

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Avo-SEF Programme Helps ECD Centres and Micro Enterprises Thrive

Through this programme, owners of Early Childhood Development centres and micro enterprises save on human resources costs as they employ additional staff (unemployed people) who are paid by this Presidential Employment Stimulus programme, while receiving support from Avo to make responsible business decisions that promote their sustainability beyond this programme. The additional staff support is reaching the social and environmental impact, and the economic aspirations sought by these businesses.

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A Model of Success for Other ECD Centres

Avo’s Project Assistant, Vuyiseka Zwelibanzi, says Dipalesa Day Care is an example of what the Avo-SEF programmme aims to achieve. “Dipalesa Day Care perfectly embodies the vision of this initiative, demonstrating the tangible impact and success we aim to witness through the Avo-SEF programmme. Seeing where the daycare was when they started on the programme and where they are now, shows other ECDs what they can achieve through this programme,” Vuyiseka says.

A Success Story Showcasing the Impact of the Avo-SEF Programme

Originally launched in 2018, Dipalesa Day Care started with 20 children and has grown to accommodate over 80 children and continues to thrive with several children already enrolled at the newly launched branch. Currently, Dipalesa Day Care employs seven SEF participants, with one having secured a permanent position since being onboarded as part of the programme. Phineas says he was also inspired to expand his business by the desire to create jobs in his community.  “So many young people who stay here at (in) Cosmo City are unemployed; they only need to be given a chance to prove themselves and learn new skills so that they can create jobs for themselves in the future,” he adds. 

Avo-SEF Empowers Young South Africans with Skills for a Sustainable Future

According to Stats SA, as of the second quarter of 2024, the unemployment rate among young South Africans aged 15 to 34 has soared to an alarming 46.1%. Out of the 1000 people onboarded for SEF phase three which started in August 2024, 65% are young people between ages 15 and 34. 

During this programme the participants are also equipped with skills and strategies on how they can stretch their income from SEF to ensure that they can better sustain their families beyond this programme should their host entities not be able to retain them beyond SEF.

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29% of Participants Launch Side Businesses Within 10 Months

Avo-SEF phase two baseline survey report revealed that 29% (322) participants started side business within 10 months after attending the programme, with the most common side businesses being spaza shops, selling vegetables and selling affiliate products such as cosmetics. Some participants reported additional income of more than R4 000 per month, providing a much - needed boost to the SEF stipend earned. 

Despite this progress, Phineas says the daycare faces challenges, particularly because some parents are unable to pay daycare fees every month because of current economic decline.

Phineas’s advice for young entrepreneurs is simple: “Don't be afraid to take bold risks because greater risks often lead to greater rewards. When challenges arise, don't give up. They're not meant to break you, but to build your strength and sharpen your skills.” 

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