Zodwa Magagula, a self-made female farmer at Malelane branch in Uhlelo Region, is a member of Ziyas group at Mangweni centre. Zodwa is a proud mother of seven children and two grandchildren. Zodwa had a dream to start her own farming business as a means of generating income for her family. With the support of her family, in the year 2000 Zodwa got a piece of land and started farming cotton. It was three years back in 2015 when she got introduced to SEF. She joined the program and is currently on loan cycle seven. SEF was the financial booster that she needed to run and grow her business. “SEF helped a lot, it was difficult to get funding to run the farm and SEF came to my rescue. I am comforted to know that I have access to funding, which I would not have had access to from any other bank,” Zodwa said.