Ms PH Mkhabele from Thuthukani Group, in Emsagweni, is a proud SEF client who has been with SEF since its inception at Emalahleni Branch in Witbank. She was one of the first members who joined the programme when it first started in the midyear of 2015. She took part in the whole PWR process. Ms Mkhabele has currently taken a loan of R15000 within a 10 months loan-term and says that she has never had any problems paying back her SEF loans from the time she joined the organisation. She joined SEF because she saw an opportunity to grow her business which she had at that time and to establish many other businesses which she had always wished to do but could not due to poor finances. Before she joined SEF she only had a small business. Since joining SEF as a client, she runs various businesses like selling winter jackets, chillies, and renting residence rooms to name a few.