Being a lifelong Cheletyuma resident and having been accustomed to a life of poverty, Kholiswa Damba never became complacent with her struggles, and was always set on bettering her life. Upon hearing and learning about SEF, she grasped at the opportunity and was dedicated to making the most of it from the very start. Kholiswa shared that she has been able to achieve the unimaginable throughout the three years that she has been a member of SEF. She revealed that her secret to success has been perseverance and patience. Although in the three years that she has been a member, she has qualified for much larger increases in her loan amounts, Kholiswa, having never taken a loan amount greater than R3500, has always been logical in how she ran her business, and strategic in her money management. Kholiswa was motivated to continue with SEF after realising the gains she reaped at the end of her first loan cycle, upon realising just how profitable her business was.The aspect of convenience was extremely valuable to her because it allowed her to work any time in the day, in the comfort and convenience of her own home. Given that transport is one of the most notable challenges that the people of Cheletyuma face daily, eliminating that worry by running her hair salon in the village was the saving grace for several women and children in the community.