Situational Analysis

Mrs Zintombi S’khahlane is married with four children – three married daughters and a son. She also has three foster children. Her husband works as a gardener.

All members of the family, apart from her married daughters, live in one house in the rural area of Gamalakhe (KwaMavundla) near Port Shepstone. One of fostered children who received a Diploma in Administration at Gamalakhe FET College is undergoing in-service training at Port Shepstone Hospital.

Mrs S’khahlane is not formally employed, but has been making and selling bags and curtains since 2007 using glue and waste products such as newspapers, magazines and cardboard boxes, which she sells at flea markets at the weekend, and directly to community members. She receives a maximum income of R4,000 per month from her sales. She also grows and sells vegetables and is one of Siyavuna’s top farmers.


In 2014 Mrs S’khahlane and one of her daughters became members of the Saveact-led Azishe Savings and Credit Group. She started saving an average of R250 a month. At the first share-out in September 2015, she received an amount of R4,500, which helped her to pay the tuition fees for her daughter. She spent the remaining R1,500 on a function for relatives and extended family. During the following savings cycle she was able to save R500 per month by increasing her share value.

When her daughter got married on April, she borrowed money amounted R5,000 from the SCG to purchase a wardrobe and kist as wedding presents.


Mrs S’khahlane says that Saveact has helped her and her family in many ways. In addition to saving, the programme has given her valuable financial education which helps her to better manage her business.


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