I am Noxolo Ndiniso from Thinana Location, and I have been a SEF client since the 11th of October 2018 at SAKHISIZWE Centre 41ES. I started a business of selling clothes, which I ordered from Durban and sold here at home, but the business was not going well due to customers who weren’t paying on time, and others who didn’t pay at all. I was running out of stock and had no money on hand, which is when I decided that I had to change my business type, and venture into a business that would be more profitable.