Small Enterprise Finance Agency (SEFA)

Contact Details

Physical: Eco Fusion 5, Building D, 1004 Teak Close, Witch-Hazel Avenue, Highveld, Centurion
Postal: Private Bag X26, Pretoria, 0001
Tel: 012 748 9600 / 086 000 7332
Fax: 012 394 2796


The mission of the Small Enterprise Finance Agency SOC Ltd (SEFA) is to provide access to finance to survivalist businesses, and Small, Medium and Micro Enterprises (SMMEs) throughout South Africa by: delivering wholesale and direct lending; providing credit guarantees to SMMEs; supporting the institutional strengthening of financial intermediaries so that they can be effective in assisting SMMEs; creating strategic partnerships with a range of institutions for sustainable SMME development and support; monitoring the effectiveness and impact of its financing, credit guarantee and capacity development activities; and developing (through partnerships) innovative finance products, tools and channels to catalyse increased market participation in the provision of affordable finance.

Office Bearers/Management

Ms H Lupuwana-Pemba
Chief Executive Officer
Mr T Makhuvha

Ms Hlonela Lupuwana-Pemba
Deputy Chairperson:
Board Members:
Ms Nonkululeko Dlamini (Audit and Risk Committee and Human Capital and Remuneration Committee)
Ms Nomcebo Dlamini (Chairperson: Social and Ethics Committee)
Ms Charmaine Groves (Chairperson: Human Capital and Remuneration Committee, and Credit and Investment Committee)
Mr Phakamile Mainganya (Chairperson: Credit and Investment Committee)
Mr Thakhani Makhuvha (Credit and Investment Committee and Social and Ethics Committee, and CEO)
Mr Lawrence Mavundla (Credit and Investment Committee and Social and Ethics Committee)
Mr Kholofelo Molewa (Audit and Risk Committee and Human Capital and Remuneration Committee)
Ms Kate Moloto (Chairperson: Audit and Risk Committee, and Human Capital and Remuneration Committee)
Mr Nazir Osman (Credit and Investment Committee and Social and Ethics Committee)
Ms Happy Ralinala (Audit and Risk Committee)
Chief Executive Officer:
Mr Thakhani Makhuvha
Chief Financial Officer:
Ms Shoki Ralebepa
Senior Management:
Mr Rian Coetzee (Executive Manager: Direct Lending)
Ms Vuyelwa Matsiliza (Executive Manager: Wholesale Lending)
Mr Nathan Nadasan (Post Investment and Workout)
Ms Nokonwaba Shwala (Executive Manager: Human Capital)
Communications Officers:
Ms Nothemba Gqiba (Head: Communications)

Financial Information

All Financial Values: R'0002016/172015/162014/152013/14
AUDIT OUTCOMEClean AuditClean AuditClean AuditClean Audit
Current Assetsn/an/an/an/a
Non-Current Assetsn/an/an/an/a
Total Assetsn/a2 301 1102 262 0102 283 679
Current Liabilitiesn/an/an/an/a
Non-Current Liabilitiesn/an/an/an/a
Total Liabilitiesn/a592 134575 3361 333 874
Total Net Assetsn/a1 708 9761 686 674949 805
Total Revenuen/a325 324198 947209 930
Revenue from Exchange Transactionsn/an/an/an/a
Revenue from Non-Exchange Transactionsn/an/an/an/a
Total Expendituren/a(703 757)(550 378)(386 145)
Employee Costsn/a(155 802)(122 303)(98 363)
Surplus/(Deficit) for Yearn/a(378 433)(351 431)(176 215)
Net Cash Flows from Operating Activitiesn/a(416 333)(528 112)(395 998)
Net Cash Flows from Investing Activitiesn/a27 4042 469(30 531)
Cash & Cash Equivalents at End of Yearn/a551 199534 199776 140
Unauthorised Expendituren/a---
Irregular Expendituren/a2 9817223 068
Fruitless & Wasteful Expendituren/a115333
Posts Approvedn/an/an/an/a
Posts Filledn/an/an/an/a
Sources n/a Annual ReportAnnual ReportAnnual Report
NoteNot audited by AGSA. Independent Audit Report. Not audited by AGSA. Independent Audit Report.Not audited by AGSA. Independent Audit Report.

Overseeing Department/Entity

Annual Reports

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