Spotong Issue 38 by 3S Media

GET YOUR CUSTOMERS TO PAY INVOICES ON TIME 10

SANITISING VS DISINFECTING VS STERILISING 14

SAB IMPLEMENTS RESPONSIBLE TRADING PROGRAMME 17

Issue 38

CONNECTING TOWNSHIPS TO ISIZWE R5 WIFI BRAND NEW BEVERAGES

24 HOW TO USE QR CODES IN YOUR BUSINESS

LOOTING & UNREST FUNDING & SUPPORT FOR TRADERS

UNDERSTANDING TAX

6 Spotong is proudly endorsed by:

www.spotongmag.co.za @SpotongMagazine |

ONLINE SELLING TRENDS FOR SMMES

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CONTENTS

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EDITOR'S NOTE CONTENTS T

his edition of Spotong is all about ensuring that your SMME continues to prosper! With business and the economy changed by Covid-19, there are still opportunities for you to thrive as an entrepreneur and grow your business to ensure success. Running a business is practically impossible without having access to the internet! While the majority of South African suburbs are connected through fibre networks, townships are still largely excluded from this and rely on mobile data as the only option to stay connected. Those operating in the township economy end up spending an exorbitant amount of money on airtime and data each month – money which could be better spent on other business operations – and although there is an appetite from major players to bring internet access to the townships, the rollout has been slow. This is all set to change thanks to Isizwe, a company which knows and understands the power of the world wide web and that internet access offers an endless treasure chest of opportunities! In our main feature, we take a look at Isizwe R5 WiFi and how it empowers township communities to build and own WiFi zones within walking distance of every home. The township economy was hardest hit in the recent unrest and looting which spread across Gauteng and KZN. Small businesses which took years to build from the ground up, were completely destroyed in one day. In spite of the devastation, it was wonderful to see township communities coming together to join in clean-up campaigns and supporting one another as they began to rebuild. Was your informal or township business directly affected? There are a number of

initiatives from government and the private sector who are offering funding and support to help get your business back on its feet. With the pandemic continuing to sweep across the world, customers still value contact-free ways to interact with businesses. In our technology feature, we take a look at QR codes, a useful and advanced type of barcode that can store vast amounts of data and can easily be scanned on a modern smartphone’s camera. Check out how these codes can help your business become more efficient and offer a better customer experience. Does the mere mention of taxes leave you hot under the collar? According to John Manyike, head of financial education at Old Mutual, mastering the basics of paying taxes will empower you to manage your money better and help you find perfectly legal ways to save money too. Check out our finance feature and follow the guidelines for stress-free taxpaying and you will be a tax pro in no time! And of course, we bring you the latest industry news, new retail products and beverages to hit the shelves, delicious food and wine pairing recipes to add to your menu and much, much more.

2 Liquor traders Covid-19 compliance training event

MAIN FEATURE 4 Isizwe empowers township communities to

build and own WiFi zones

FINANCE/BUSINESS/MANAGEMENT 6 Strengthen your finances by overcoming your

fear of taxes 8 Five online selling trends for small businesses 9 3 ways QR codes can make a difference for your SMME 10 How to nudge customers to pay their invoices on time 11 Do you dream of seeing your own brand on the

shelves of Pick n Pay, Clicks and Dis-chem?

HEALTH & SAFETY 14 Do you know the difference between a sanitiser

and a disinfectant? 16 Can employees be dismissed for not observing

workplace Covid-19 protocols?

RETAIL SEGMENT 17 SAB implements the responsible trading programme 18 Hot off the press 20

New on the shelf

LIQUOR SEGMENT

We love hearing from you and want to know about your township business. Send all of your photos and letters to info@spotongmag.co.za and you could be featured in our next edition.

The Tavern Tatler

Brand New Beverages

Recipes: Food & Wine Pairing

Enjoy the read!

Cocktails & Mocktails: Cocktail ideas to rev up your menu

CATERING & HOSPITALITY

TOWNSHIP ECONOMY

Find us on:

EDITOR Charlene Heyburgh DESIGN Janine Louw PROOFING & SUB-EDITING Margot Bertelsmann PRODUCTION & CLIENT LIAISON MANAGER Antois-Leigh Nepgen PRODUCTION COORDINATOR Melanie Scheepers GROUP SALES MANAGER Chilomia Van Wijk BOOKKEEPER Tonya Hebenton DISTRIBUTION MANAGER Nomsa Masina DISTRIBUTION COORDINATOR Asha Pursotham SUBSCRIPTIONS subs@3smedia.co.za PRINTERS Novus Print Montague Gardens

facebook.com/ SpotongMagazine Twitter @SpotongMagazine

Relief & support available for traders affected by the looting & unrest

The impact of riots & looting on spaza shops in Jhb

Diageo SA launches new R25-million campaign to rebuild after unrest and alcohol ban

Government investment in township SMES should be welcomed, but it must relook business conditions

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COLUMNS

1 SALTA – To our leaders in government: Please have a heart!

Copyright © Novus Print t/a 3S Media. Spotong is published Novus Print t/a 3S Media. All material is strictly copyright with all rights reserved. No material may be reproduced in part or whole without the express written permission of the publisher. No responsibility will be accepted for unsolicited material. The publisher accepts no liability of whatsoever nature arising out of or in connection with the contents of this publication. Whilst every care has been taken in compiling this publication, the publisher does not give any warranty as to the completeness or accuracy of its contents. The views and opinions expressed in Spotong are not necessarily those of the Publisher or contributors.

Nedbank: Stokvel savers adopting digital tools

Stokfella second quarter best-performing stokvels

PROPERTY 41

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SALTA COLUMN

Issue 38

TO OUR LEADERS IN GOVERNMENT: PLEASE HAVE A HEART!

n 5 August 2021, President Cyril Ramaphosa announced a major cabinet reshuffle that not only covered security posts but also the economy and health. This came following days of unrest that left more than 350 dead, and in the process, thousands of businesses, including several liquor outlets across various Gauteng and KwaZulu-Natal regions were looted. Some were gutted and completely destroyed! This resulted in the government deploying some 25 000 soldiers to help restore order. This cabinet reshuffle was the first major reshuffle for Ramaphosa since he took over as president, and included the appointment of 10 new ministers and 11 deputy ministers. It remains yet to be seen if and how these recent changes, particularly in regard to the economic sector, will be helpful in addressing the ongoing plight of liquor traders, which has been worsened by several non-inclusive lockdown regulations and the insensitive harassment of traders and their families by the police. As much as we, as liquor traders, continue to suffer as other small businesses from the effects of the pandemic and the recent riots, there have been no relief grants or rescue plans for us. Promise after promise is all we get, then nothing happens. Dololo! The alcohol industry has already lost an estimated R25-billion and more than 250 000 jobs have been put at risk in an industry that has been known to create jobs and sustain livelihoods, particularly in many township households across the country. Liquor traders have been reduced to being mere spectators in an economy to which they have contributed significantly to over many decades.

This has been in spite of cries and persistent requests from the industry, throughout the pandemic and before then. We, as liquor traders, have struggled to get the attention, audience and necessary follow-up responses from the authorities and various government departments on the several matters that are critical for our survival as a sector. Included among the institutions that continue to fail us are the office of the Gauteng MEC for economic development and the Gauteng Liquor Board. Some of the persistent issues of concern include the following: • Succession: Family members of a deceased permit holder get harassed after the death of the main permit/license holder. What are they expected to live on? Why must the police confiscate their stock? We keep being promised a solution to this challenge by various authorities including MEC after MEC, but nothing happens. The Liquor Board has told us: “Let them apply for licenses, finish and klaar.” How insensitive! • Rezoning/Consent of use: The lack of cooperation between the Liquor Board and related local government departments has made it difficult for traders to qualify for or obtain necessary trading licenses. We continue to be faced with punitive by-laws. Also, the issue of Alexandra township and similar areas where the proximity of dwellings renders it difficult for traders to comply with license application requirements. • Exclusion of liquor traders from Covid relief programmes. Why are we excluded? • Liquor traders do not get support or relief funding to cushion the effects of the pandemic and unrest. We also do not benefit from the Small Business Solidarity Fund. • Liquor traders are being expected to continue to pay 100% in license renewal fees, despite having not traded fully because of lockdown regulations. Siyithathe kuphi leyomali maar? In spite of all that we have been going through as a sector over the years, we continue to appeal for consideration of our plight, in the hope that the incoming team of officials, whether they are new or recycled versions of the old ones, can please have a heart. Please hear us out! Siyanicela! Please note: The permit issue is a time bomb! Abe Radebe, deputy president, SALTA

SALTA COLUMN

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were the wearing of masks, maintaining a social distance, the number of customers granted access to an outlet and hygiene and sanitation. The event was hosted by Mr Lucky Ntimane, convenor of the National Liquor Traders.

COVID-19 COMPLIANCE TRAINING EVENT

n Tuesday 22 June 2021, a two-hour Covid-19 compliance training event was held at Slotjhile Pub and Restaurant in Tembisa. More than 100 people attended, including SALTA senior members, Mr Monneng, Philemon Mojela and Abel Ndleleni Radebe. As the country moved to Covid-19 alert level three, with the rise in the number of cases as well as a lack of compliance, public behaviour and ignorance was of great concern when it came to compliance while we are still in the third wave of this pandemic. The Covid-19 compliance training was hosted to consolidate the maximum safety of protocols and guidelines that were set out, the Gauteng Liquor Act conditions, and licensing regulations, which were all included in the training manual. Some of the protocols highlighted

As SALTA, we are privileged to have attended this event and participated in the training. The motivation and encouragement we experienced from the senior Gauteng provincial government officials, including the Liquor Board, was obliging. At the end of the training, a few of our SALTA members were interviewed by the media to share insights about the training that took place and to discuss the impact of challenges we have experienced with the alcohol bans since the pandemic began. Most of our liquor traders were very sceptical about experiencing another ban, unaware that government would announce yet another 14-day alcohol ban. SALTA would like to show gratitude to Mr Lucky Ntimane for taking the initiative to represent the alcohol industry as a whole and ensuring that some of our voices are heard. On 25 July, bars, taverns and restaurants were re-opened, but with a curfew of 10pm. We believe our members and other liquor traders will continue to comply with the Covid-19 protocols and regulations. We are delighted to trade once again. Let’s slow down the spread of Covid-19 and always remember to stay safe and do the right thing.

Issue 38

SALTA COLUMN

MAIN FEATURE

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ISIZWE EMPOWERS TOWNSHIP COMMUNITIES TO BUILD AND OWN WIFI ZONES Now everyone can stay connected with R5 WiFi!

unning a business is practically impossible without having access to the internet! But here we are, in 2021, and internet access is still seen as a privilege rather than a right. While the majority of South African suburbs are connected through fibre networks, townships are still largely excluded from this and rely on mobile data as the only option to stay connected. There are thousands of successful SMMEs operating in the township economy and these business owners spend an exorbitant amount of money on airtime and data each month for access. Although there is an appetite from major players to bring internet access to the townships, the rollout has been slow.

This is all set to change thanks to Isizwe, a company which knows and understands the power of the world wide web and that with access to internet, the world offers anyone, no matter who you are or where you are from, an endless treasure chest of opportunities! The internet is the great equalizer and the one tool, the one basic human right, which enables all communities to live the life they want.

It is this belief that is pushing the Isizwe team further and faster in their ambitions to connect every person to R5 WiFi and empower township communities to build & own WiFi Zones within walking distance of every home. Started in 2013 by Alan Knott-Craig as an NGO to address data inequality, Isizwe is breaking the status quo and ending the

MAIN FEATURE

Issue 38

flood an area with great connectivity and are then able to develop local businesses and allow customers to generate an income from the WiFi by becoming a reseller while still giving the community a great data offer.

The current packages on offer are: • 1 day uncapped access per device for R5 • 1 week uncapped access per device for R25 • 1 month uncapped access per device for R100.

Access to the Isizwe Portal At Isizwe, their mission is more than just connecting everyone to R5 WiFi. They also believe that education, job opportunities and skills-development should be accessible to all. This is where the Isizwe Portal plays a crucial role. The Portal is a central platform where users can go to discover a new world of free-to-use tools for many purposes. The Portal is constantly being developed and updated with more tools added for anyone to use, free of charge. You can empower yourself and gain valuable skills with courses from experts such as Marketing with Social Media and get tips on how to Ace that Job Interview! With Isizwe on our side, the future in the townships sure looks bright! For more information on Isizwe R5 WiFi visit: www.isizwe.com, call them on +27 100 132 430, or mail them directly at howzit@isizwe.com Images Supplied

Road House Spaza Shop in KZN which hosts Isizwe R5 WiFi and enables community members to access the internet.

There is also an internet access rollout plan which includes the townships of Lamontville and Umlazi in Kwazulu-Natal, Bushbuckridge area in Mpumalanga, Soweto, Diepsloot, Cosmo City, Tembisa and Katlehong in Gauteng, Rustenburg area in North West Province and Delft and Dunoon in the Western Cape.

The Rambuda, Thohoyandou local launch team.

reliance on mobile data. Isizwe, meaning “people” or “nation” in many African languages, is a universal term to show togetherness. They call themselves Isizwe because they want to bring all of Africa together, and then all of Africa to the world and this is done through connectivity & education. What makes Isizwe’s Wifi offering different to other internet providers is that the internet access is uncapped and customers can use as much data as they want for R5 per day per device. What is even more beneficial is that Isizwe offers a 20% commission to township traders who host their WiFi. By having a WiFi zone for every 100 homes, they are able to

Isizwe drive-by WiFi

FINANCE

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STRENGTHEN YOUR FINANCES BY OVERCOMING YOUR FEAR OF TAXES Understanding tax is a skill that everyone should have

FINANCE

Issue 38

• Know what income is reportable and which expenses are deductible, and why this is the case • Understand how to complete and submit a tax return form • Know how to claim a refund if you’ve been overtaxed, and remember you can only claim a tax refund if you are registered as a taxpayer • Know how to claim if you do a lot of business travel with a car allowance • Know the difference between direct taxes and indirect taxes. Direct taxes include income tax, corporate tax, capital gains, and property taxes. Indirect taxes are not levied directly on taxpayers’ incomes. VAT, for example, is a tax on purchases • Know how to keep records and establish what deductions can and cannot be claimed on taxes • Know your rights and obligations as a taxpayer • Always seek expert professional advice if you are unsure or confused Once you understand tax better, you also reduce the risk of making mistakes and increase the chances of identifying how to qualify for tax benefits.

Useful tax tips to get the best out of tax

housands of South Africans enter the workforce or become business owners without being tax literate. What’s more, many find tax issues simply too complicated and scary to even try and understand, says John Manyike, the head of financial education at Old Mutual. “The truth is that mastering the basics of paying taxes will empower you to manage your money better, and help you find perfectly legal ways to save money too. Include taxpaying in your financial planning and take charge of your financial future,” he says. Old Mutual’s guidelines for stress-free taxpaying: Know better in order to do better . These guidelines do not constitute financial advice. Old Mutual encourages everyone to speak to a financial adviser for their specific financial circumstances. • Learn how to check a payslip and how PAYE (pay as you earn) and other deductions work • Know how to check that the PAYE rate you are paying is correct

Contributions to retirement funds are taxdeductible up to a limit of 27.5% of your taxable income or your remuneration, whichever is the greater, and up to a maximum of R350 000 per year. This limit applies to the total contributions you make to any pension, provident, or retirement annuity (RA) fund during the year. The tax deduction will always be limited to the actual contributions you made. You can top-up your retirement savings by contributing to a RA fund. Because you may not access your RA funds until you are 55 years old, this is a great way to save for your future while also reducing your annual tax bill. After 55, you can withdraw a third of the value of any RA, with the first R500 000 cash withdrawal being tax-free (provided you have not previously withdrawn any cash from a retirement fund). Opening a tax-free savings account helps you earn interest on your money without paying tax on your earnings. You can invest up to R36 000 tax-free annually, with a lifetime limit of R500 000 per person. Income tax, dividends tax, or capital gains tax are not payable on these investments. Be aware that if you don’t use your full annual limit of R36 000 in one year, it cannot be carried over to the next year.

As a parent, you can open a tax-free account for your children, however, this may result in donations tax if you do not structure this option carefully (so speak to a tax expert before you do this). Keep in mind that any money you place in this account counts towards their annual and lifetime contribution limits. Joining a medical aid scheme means that you receive a monthly tax credit of R332 as the primary member, a further R332 for your first dependent, and R224 for each of your additional dependents. These amounts are subject to change each year. Keeping a logbook if you receive a travel allowance or drive a company car will enable you to claim travel deductions. Claiming commission-related expenses if you are a commission earner allows you if your commission income usually makes up more than 50% of your total remuneration, to deduct operational expenses and claim for business travel. You may claim expenses if you earn a nonsalary income and are self-employed, allowing you to deduct all your business-related expenses against your business income. If you have been forced to work from home because of the national lockdown in place due to the Covid-19 pandemic, you may qualify to claim certain domestic expenses incurred as a tax deduction, provided you meet the South African Revenue Service’s (SARS) requirements. Setting up a family trust to provide for the financial security of your family and descendants may result in certain tax benefits if used properly. Donating to a SARS-registered charity or non-profit organisation approved by SARS means that you can reduce your taxable income by doing a charitable deed, provided the non-profit organisation issues you with a Section 18A certificate. “Many people with the best of intentions end up dealing with tax problems due to errors or a lack of understanding. We believe you should know better so that you can do better. Taking time to understand tax matters reduces the risk of spending time and money rectifying problems and enables you to maximise savings and retirement benefits. Understanding tax is a skill that everyone should have,” says Manyike. For more information visit the SARS website at www.sars.gov.za. Always contact your financial adviser for expert financial advice.

SELLING TRENDS

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FIVE ONLINE SELLING TRENDS FOR SMALL BUSINESSES

he online classifieds industry is one of the fastest growing industries in South Africa, and consumer buying behaviour has changed significantly in the last two years. Michael Walker, head of marketing at Gumtree, provides the following insights for small businesses that sell online.

1. Optimise what you’re selling, and where you sell South Africans still predominantly shop for fast-moving essentials in brick and mortar stores, but online shopping for slow-moving goods like electronics and fashion products have doubled year on year. A Google Data/KANTAR Smart Shopper 2020 Study showed the following changes in online shopping behaviour across various categories. • Consumer electronics: 16% increase • Home & Garden: 15% increase • Fashion: 7% increase • Food & groceries: 5% decrease • Beauty: Stayed the same “Is your small business taking an omnichannel approach to take advantage of the increase of online shopping in certain categories?” asks Walker. “Due to convenience, South Africans have shown an increased appetite for buying electronics and home and garden items online. Maybe it’s time to revolutionise your hardware or electronics store and take it digital” he continues.

2. Consumers know what they want Consumers have an increased awareness of what they want before they buy. They no longer need to hop from website to website just to find out about different products available on offer - all their information can be found at one site: Google Shopping. “This has created the opportunity for classified sites selling goods and services locally (such as Gumtree) to compete with international competitors such as Amazon,” says Walker. “Which have led many business owners who were once solely reliant on word-of mouth advertising campaigns to benefit greatly from an online presence.”

3. Consider shipping Consumers are more likely to purchase from sellers who offer free shipping than those who charge for it, so make sure you offer a service that is both reliable and makes economic sense to you. Paxi is a great idea to ship your goods, it offers pick up and drop off service, meaning there is no need to use costly and unreliable couriers, and with over 500 locations across South Africa, shipping your online orders becomes as easy as driving down the street.

4. Remember to thank your customer “In a world where people are constantly looking for the best deals, it is important to thank your customer for buying from your small business,” says Walker. Knowing that

someone appreciated what they bought makes them feel good and will make them more likely to buy again in the future. In addition, when thanking customers online or offline there’s an opportunity to use this as another marketing channel which could lead to higher conversion rates of up to 23%, according to some statistics. Don’t underestimate the power of saying ‘thank you’ - not only does it improve your customer relationships but also drives sales. Acknowledge their purchase on social media by liking/commenting with well wishes and tagging friends who might be interested too.

5. Make sure you acknowledge the reviews Trust matters more than ever before, because online opinion is easy to find and peer to peer reviews count more. A recent Nielsen study showed that 84% of people trust recommendations from friends, family, colleagues over other forms of marketing. “Diligently respond to all consumer reviews, complaints and comments,” says Walker. “Even if a customer reports a bad experience, acknowledge it and make every effort to help.” Expectations have changed dramatically over time, and people expect a quick response from businesses electronically (within five minutes) on Twitter and Facebook. Showing that you are active and on-call sets customers at ease in buying from your business.

TECHNOLOGY

Issue 38

3 WAYS QR CODES CAN MAKE A DIFFERENCE FOR YOUR SMME Offer a better customer experience and help your business become more efficient

ith the pandemic continuing to sweep across the world, customers still value contact-free ways to interact with businesses. Enter the Quick Response (QR) code, a useful and advanced type of barcode that can store vast amounts of data. It can easily be scanned from any modern smartphone’s cameras. The potential use cases of QR codes for small business are numerous, and it is easy to get going with minimal cost. There are many great Android apps that make it simple to generate QR codes – examples include QR Code Generator, and QR Tiger. Alcatel looks at a few ways QR codes can help your business to become more efficient and offer a better customer experience.

Digital payments Digital and mobile payments have really taken off during the COVID-19 pandemic. Initially, merchants and consumers embraced contactless payments for social distancing, but the convenience means that easy digital payments are here to stay.

Nearly any small business can sign up with platforms like SnapScan and Zapper to accept QR code payments – enabling them to offer quick, flexible options for their clients. Simply sign up as a merchant and download the app to get started. The apps also make it easy to reconcile payments.

Bring marketing collateral to life With QR codes, you can add an interactive dimension to static marketing collateral, such as brochures, flyers, business cards, store signage and even branded company vehicles. Customers could scan a barcode to visit your mobile website, view a video or book an appointment with one of your consultants. For example, an estate agent could add a QR code to each of the homes it showcases in its storefront window. A customer who walks past could scan the code to see the brochure for the home or view the video walkthrough of the property. Or you could link someone directly to your Facebook or Twitter account straight from a barcode on your shop window.

Self-service and information exchange Even at this stage of the pandemic, many business owners and customers want to avoid exchanging physical items such as bills and menus. A QR code offers convenient ways to exchange information and let customers serve themselves. Many restaurants, for example, offer QR code menus. People can see the menu, place an order and pay, without needing to exchange paper with a server. You could also let customers scan your Wi-Fi details from a QR code. Other ideas could include: • Offering direct links to a product or service information page on your website; • Letting customers register or check-in (for example, into your gym or restaurant) without filling out a form; • Providing instructions for a new product a customer has bought; and • Downloading coupons or vouchers.

MONEY MATTERS

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HOW TO NUDGE CUSTOMERS TO PAY THEIR INVOICES ON TIME By Viresh Harduth, vice-president of small business, Sage Africa & Middle East

4. Put processes in place to remind customers to pay This tip is absolutely vital. No-one enjoys running after customers to ask for overdue payments. Putting procedures in place for this task can take some of the pain out of it. Here are some ways to remind people to pay your invoice, including how to escalate matters for late payment or non-payment: • Add receipts to your emails and resend the invoice so you can see if the recipient opened them. • Send an invite to a short meeting to talk about the late payment. This should only be a 15-minute slot but seeing it in their calendar will remind them you need to be paid.

or small and medium businesses, getting paid on time is one of the biggest administrative headaches. After all, when customers don’t pay on time, cash flow takes a knock and you need to borrow money to pay suppliers and service providers. Let’s not forget that nobody enjoys the awkward conversations and annoying admin that go along with chasing up payments. Knowing how to prompt customers to settle their accounts on time, without harming your relationship with them, is an essential skill for every small business owner to master.

Here are five tips about how you can get people to pay up by the due date, while reducing the stress involved: 1. Invoice accurately One of the best ways to get paid fast is to ensure your invoices are error-free and comply with the customer’s requirements. Include the details they ask for, such as contact and company details, purchase order (PO) numbers and breakdowns of costs for different line items. If you’re dealing with a bigger company, it might be worth checking upfront what information they want on the invoice and which formats they prefer.

• For smaller businesses, you may wish to be lenient. You can ask if they need help paying and could offer to split the invoice over two months to help with their cash flow. You could also remind them that they can pay in a way that suits them best.

2. Make it easy to pay Your goal should be to make it as simple as possible for someone to pay when they open your invoice. Ensure it’s easy for them to find your banking details on the invoice, for example. Some payment platforms let you include a click-to-pay option in your digital invoice. Especially when dealing with consumers rather than businesses, offer a range of convenient payment options, including debit and credit card, SnapScan, Zapper, QR code, EFT, and instant EFT.

3. Communicate clearly Ensure customers know and agree to your payment terms (whether they are on presentation of the invoice or 30 days) before they buy a product or service from you. Include your standard payment terms on every invoice to remind them.

Knowing how to prompt customers to settle their accounts on time, without harming your relationship with them, is an essential skill for every small business owner to master.

• Appeal to your customer’s better nature. Explain that you’re a small business and having payments made on time is crucial.

5. Automate processes Some accounting solutions will automate parts of the invoicing process, minimising the need for manual data input and the room for error. This will also save you a great deal of time so you can focus on the areas of your business that add value, whether it’s strategy, sales or customer interaction.

Late payments are still a headache While several large South African companies recently pledged to pay small and medium businesses faster, the issue of late payments still looms large. Late payments not only impact cash flow for many businesses, but they could threaten the survival of many beyond the Covid-19 pandemic. During this crisis, it pays to work with your customers to ensure prompt payment. Open discussions around the fears and pressure points your customers are facing will help you decide on a reasonable compromise or set out clear payment terms from the offset. It will also help you maintain a good relationship throughout these uncertain times.

ENTREPRENEURSHIP

Issue 38

DO YOU DREAM OF SEEING YOUR OWN BRAND ON THE SHELVES OF PICK N PAY, CLICKS AND DIS-CHEM?

HERE’S YOUR CHANCE! THE CLICKS GROUP ACCELERATES LOCAL SMME SUPPORT

he Clicks Group has ramped up its incubation support for local blackowned businesses, with the launch of a new SMME supplier listing portal.

The SMME trading framework offers commercial and business support in the form of marketing, promotions, shared shelf space and business mentorship.

This forms part of a raft of measures taken to support small-, medium and microenterprises across the Group’s supply chain, says Clicks Group Corporate Affairs Director Bertina Engelbrecht.

The Clicks Group has been supporting local SMMEs for the past ten years and is a longstanding advocate for multicultural hair care products.

The Clicks Group has invested over R500 million in SMME suppliers in the past year and is working closely with the Department of Trade, Industry and Competition to accelerate local procurement. “The Clicks Group recognises that SMME development is critical in creating jobs and building a healthier economy,” Engelbrecht says. “We are committed to removing barriers and have worked hard to implement a SMME trading framework that will ease entry into the Clicks eco-system.”

“Since 2005 to date, we have grown local hair care brands on shelf by over 743% percent, with a significant investment in black womenowned businesses,” Engelbrecht says. “It has been extremely rewarding to see local brands such as AfroBotanics, AfriBerry and Portia M become established and enjoying success in the local market. In fact, Portia M has experienced rapid exponential growth to the extent that it can no longer be classified as an SMME,” explains Engelbrecht.

The Clicks Group intends to target over R4,5 billion worth of procurement spend with black-owned SMMEs over the next three years. Since January 2021, Clicks has helped to bring six new black-owned suppliers in the haircare and personal care sectors to market, including Masodi Organics’ range of natural hair and body products and AfroBotanics’ new multicultural hair range, Kaio. A further 12 suppliers are planned for launch by the end of 2021. This is over and above the existing eight blackowned SMMEs that are currently listed in these categories. For more information, please visit www.clicks.co.za/supplier-development or e-mail NewBusiness@clicksgroup.co.za

ENTREPRENEURSHIP

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DIS-CHEM, IN COLLABORATION WITH THE DEPARTMENT OF SMALL BUSINESS DEVELOPMENT, WANT TO STOCK MORE LOCALLY PRODUCED RETAIL GOODS

n acknowledgment of the call by government to boost local manufacturing and job creation, Dis-Chem is working in close collaboration with the Department of Small Business Development in a national drive to stock more locally produced retail goods. The initial goal is for major retailers, such as Dis-Chem, to stock about 400 locally produced items, in time rising to over 2,000, as part of a national strategy to grow manufacturing locally. This comes at a time when many small and medium-sized enterprises (SMEs) are in desperate need of life support during the Covid-19 pandemic and consequent economic lockdowns. The sector remains vital to South Africa’s recovery, notwithstanding growing numbers of liquidations. A Bureau of Economic Research study estimates the number of SMEs to be in the region of 2.2-million. These contribute considerably to the South African economy and create over 11 million jobs. Estimates vary widely, because even without a crisis such as the pandemic, between 70% and 80% of start-up businesses typically fail within two years. Such numbers are staggering and tell a tale

of the need for support to ensure more businesses survive and create employment. “We have a long tradition of celebrating those pioneers who dream big and do whatever is needed to bring an idea to fruition. Dis-Chem started as a small business with one store, so we understand what it takes to grow an organisation. As a company that supports businesses, we support and mentor entrepreneurs and we are fortunate to have partnered with some small businesses that have grown significantly in recent years,” says Saul Saltzman, executive director at Dis-Chem. “We are both gratified and excited that we can tell the real stories of everyday South African business owners. Through them we hope to educate, empower, and inspire more entrepreneurs to pursue their dreams, and ultimately contribute to the development of our country.” Dis-Chem is renowned for its health products, a category that has grown in recent years through support of small suppliers whose products are ideally suited to Dis-Chem’s range and meets their quality criteria.

TRUE EARTH

“F

rom a commercial perspective Gauteng-based, True Earth, manufacturers of gluten free cereals and snacks, was given an opportunity to launch its products with us and grow their business,” says Saltzman. Dis-Chem provided guidance to Nokwanda Shabalala, founder of True Earth, on the typical manufacturing standards expected by a firm like Dis-Chem and assisted her to select the correct manufacturing partners. Dis-Chem also evaluated her labels and provided direction on how to get them fully compliant with regulations, which can be an extremely complicated exercise for individuals who are not familiar with the process and requirements. Knowing Dis-Chem’s health focus, Shabalala sought a meeting with the company’s management. “It all started with a cold call to Dis-Chem which led to a visit. At that time, I hadn’t commenced manufacturing – I took along samples of the three gluten-free cereals we had at that point. The Dis-Chem team gave us some valuable pointers at that first meeting on what health seekers require from a product to establish consumer trust.” “Apart from food safety, the next most important aspect of health products is the labelling and packaging, which Dis-Chem’s consultants worked on with us. The packaging has to be thorough and clear to comply with the law and Dis-Chem advised throughout this process so as to avoid costly mistakes.” A third aspect, where Dis-Chem is vital to the viability of emerging suppliers, is their payment terms. “Typically, payment terms are 90 days, but Dis-Chem advanced us a supply-chain facility which eased cashflow. This is key for a small start-up supplier and helped establish the viability of our business.” This was the launchpad for True Earth, which has since broadened out to supply additional retailers and health stores. “We were at first operating on a shoestring with extremely limited cashflow. Nonetheless, we developed an additional new product line which unfortunately came to market exactly as Covid hit. While other retailers would not even consider a new supplier at that sensitive time, Dis-Chem stocked it on a much wider basis than a new product would typically warrant,” says Shabalala.

ENTREPRENEURSHIP

Issue 38

USISI BRANDS Sion Venter, director of Usisi Brands in Cape Town has developed a variety of food herbs and spices targeting people looking for healthy alternatives which are sugar-free, non-irradiated, msg-free and contain no other fillers. Usisi has largely targeted the uniquely ethnic market, but as a healthy alternative to what is already available. Little was required from a compliance and food safety side with Usisi. “We gave them some advice on labels but all they needed was a boost from a retailer like Dis-Chem that would take them on,” says Saltzman. “Our presence in Dis-Chem initially started fairly selectively but our brand is now stocked in about 140 stores. I approached Dis-Chem initially as I had previously worked with them in another spice business. I always liked working

with Dis-Chem and so automatically looked to do business with them again. They have a health food section which is steadily growing and is a lot wider than most competitor stores. They were also prepared to grow my health brand and offer me good support and increase my brand awareness,” says Venter. “Shoppers are exposed to countless brands every time they enter a store, but what they don’t realise is what it means for smaller brands to reach national supply in a major retail group. For many, they have a fantastic product but aren’t fully cognisant of the regulatory and compliance issues that are needed. Some are not aware of quality standards that need to be adhered to before being considered by large groups. These details can be a minefield for small entrepreneurs, and we are so pleased that our approach to growing small businesses has resulted in some true success stories,” Saltzman concludes.

PICK N PAY CALLS FOR MORE WOMEN ENTREPRENEURS TO INTEGRATE INTO SUPPLY CHAIN

hether it’s pre-cooked meals, haircare products or pet food and more, Pick n Pay customers each day are purchasing quality goods produced or sourced locally by women-owned businesses. “Women-owned business are a really important part of our supply chain. They help us provide an excellent service and some of the best-loved products to happy customers,” says Mishinga Seyuba-Kombo, head of enterprise development at Pick ‘n Pay. This Women’s Month, Pick n Pay will recognise and celebrate its women suppliers and the contribution they make by ramping up efforts to encourage more women to come forward and take up the challenge to become entrepreneurs. Pick n Pay will host a series of talks with some of its top women SMMEs, shining a spotlight on their journey to becoming entrepreneurs, and sharing their tips

and knowledge of how to become an efficient and quality supplier to big businesses. A 2020 survey by SME South Africa indicated that 47% of all SMEs in South Africa are women-led and are more likely to succeed with the right assistance, particularly from big business. Pick n Pay’s Enterprise and Supplier Development (ESD) programme provides a holistic package of support for SMMEs and provides opportunities for them within its supply chain. The objective is to integrate the businesses it supports into the Pick n Pay supply chain. “We want to encourage more women to take that leap of faith and become entrepreneurs. Many of these businesses or services have the potential to succeed and help create jobs. It’s a real privilege to stand behind them and support them all the way,” says Seyuba-Kombo.

The Pick n Pay ESD programme offers structured support to SMMEs Support: Provide mentorship and business support Scale: Develop strategies and programmes to increase productivity and delivery of SMMEs within the Pick n Pay supply chain Sustain: Promote and facilitate all aspects of SME supplier development

Key stats and facts about Pick n Pay and its SMME suppliers • +2 000 black-ownded SMMEs in Pick n Pay's supply chain • +50% of all black-owned SMMEs are women-owned • Pick n Pay's spend on black women-owned SMMEs increased from R2bn in the 2019 financial year to R5.4bn in 2021

For more information on Pick n Pay’s Entrepreneurship Supplier Development programme visit: https://www.pnp.co.za/pnpstorefront/ peoplenplanet/small-business

HEALTH & SAFETY

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DO YOU KNOW THE DIFFERENCE BETWEEN A

SANITISER AND A DISINFECTANT? B

y now everyone should be familiar with using sanitising sprays on themselves as well as disinfecting products for surfaces, but how many people are mistakenly using the same product for both jobs? According to Burt Rodrigues, CEO of Biodx, “The terminologies sanitiser, disinfectant and antiseptic, were just words to most people before Covid hit. People knew the words but perhaps didn’t understand the clear differences between them all.” Today it’s become vital that people understand that the sanitiser you use on your hands and body will not work the same way on surfaces.

Because most sanitisers typically have a large component of alcohol (70% recommended by the WHO) these will quickly evaporate when sprayed on a surface, which renders it useless seconds later. BUT a registered disinfectant, which should never be sprayed on skin, will be effective on surfaces for a lot longer than any sanitising spray. “It’s vital that the public be educated on these differences, which is why the CDC and local campaigns put out this information around the properties of an ideal disinfectant. There’s no such thing as being a little bit effective when dealing with destroying viruses such as Covid-19. Each product you choose must work to a 100% of what it says it does and only used where recommended,” explains Rodrigues.

Issue 38

Sanitising is a process of reducing (not killing/destroying), the occurrence and growth of bacteria, viruses and fungi. Sanitising is better than cleaning alone but the reduction of pathogen populations on environmental surfaces is exponentially better when you disinfect. Since sanitising does not make 100% anti-viral claims, sanitising offers less confidence of destroying the flu or other viruses commonly found on surfaces.

“It’s vital that the public be educated on these differences, which is why the CDC and local campaigns put out this information around the properties of an ideal disinfectant. There’s no such thing as being a little bit effective when dealing with destroying viruses such as Covid-19. Each product you choose must work to a 100% of what it says it does and only used where recommended.” - Burt Rodrigues, CEO of Biodx Disinfection is the process of reducing (killing/destroying inactivating) harmful and objectionable bacteria, viruses and other pathogenic microorganisms by various agents such as chemicals (biocides, virucides), heat, ultraviolet light, ultrasonic waves, or radiation. It includes ensuring a food contact surface or utensil does not contain microorganisms at a level that would allow the transmission of infectious disease or compromise food safety. Antiseptics are antimicrobial substances that are applied to living tissue/skin to reduce the possibility of infection, sepsis or putrefaction. Antiseptics are generally distinguished from disinfectants, which destroy pathogens found on inanimate objects. Antibacterials include antiseptics that have the proven ability to act against bacteria.

HEALTH AND SAFETY

COVID-19 PROTOCOLS & THE WORKPLACE

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CAN EMPLOYEES BE DISMISSED FOR NOT OBSERVING WORKPLACE COVID-19 PROTOCOLS? By: Nivaani Moodley & Shane Johnson from Webber Wentzel

wo recent decisions from labour dispute resolution forums have dealt with the disciplining of employees for failing to observe Covid-19 protocols – one dismissal was found to be fair, while the other unfair. Understanding the circumstances and differentiators of these two decisions is important for employers.

Employee dismissed for failing to self-isolate while waiting for Covid-19 test result In a recent decision*, the National Bargaining Council for the Road Freight Logistics Industry (NBCRFLI) upheld the dismissal of an employee who failed to observe Covid-19 protocols. The employee was employed by the employer as a truck driver. On 3 August 2020, the employee arrived at work claiming to be suffering from headaches. The employer advised the employee to consult a medical doctor. The employee was booked off from work from 4 to 6 August 2020. According to the medical certificate, the employee was waiting for a Covid-19 test result. The employee nevertheless reported to work on 6 August 2020 and handed in a brown envelope which contained two notes – a medical certificate and note from the clinic confirming that the employee was awaiting a Covid-19 test result. The employee was a shop steward and he reported to work as he was due to represent a fellow employee in a disciplinary hearing scheduled for the same day. On 7 August 2020, the employee received a positive Covid-19 test result and he informed the employer accordingly. The employee had previously self-isolated after he came into contact with someone who had tested positive for Covid-19. The employee was therefore aware of the isolation protocol. The employee was charged with gross misconduct and gross negligence. After attending a disciplinary hearing, the employee was dismissed. The employee referred an unfair dismissal dispute to the NBCRFLI.

The NBCRFLI found that the employee was aware of the correct protocol to follow. Given that the employee had previously isolated himself after being exposed to someone who had tested positive for Covid-19, he was aware that he could only return to work (or de-isolate) once he was aware that he was no longer a risk. The misconduct was serious in nature as his conduct wilfully endangered the safety of others in the workplace. The NBCRFLI ultimately upheld the employee’s dismissal.

Employee dismissed for failing to wear a mask in the workplace In a recent decision**, the Metal Engineering Industries Bargaining Council (MEIBC) found the dismissal of an employee for failing to wear a mask in the workplace to be substantively unfair. The employee was employed as a semi-skilled rigger. On 3 August 2020, the employee, while speaking on his mobile phone, lowered his face mask below his chin in order for the party on the other side to hear him. The employee’s manager witnessed this. Following a disciplinary hearing, the employee was issued with a written warning and placed on suspension. On 7 August 2020, a similar incident occurred. The employee, while speaking to a security guard at the workplace, lowered his face mask. The employee’s manager witnessed this once again. Following a disciplinary hearing, the employee was dismissed. The employee referred an unfair dismissal dispute to the MEIBC.

The employee argued that he was aware that mask-wearing was mandatory in the workplace and that he only removed his mask as the security guard could not understand what he was saying. The employee further argued that the employer did not inform employees of the consequences of not wearing a mask and that if they failed to wear a mask, disciplinary action would be taken. The MEIBC found that the purpose of discipline is to correct and rehabilitate employees. It is not meant to be punitive in nature. The MEIBC agreed that failure to wear a mask is risky behaviour and that there are various debates and confusion around mask-wearing. In the circumstances of this case, the MEIBC found that dismissal was too harsh and that it was a “punitive knee-jerk reaction” by the employer. The employee’s behaviour could have been corrected by means of counselling and education. The employer should have considered alternatives to dismissal. The MEIBC ultimately found the dismissal to be substantively unfair and ordered that the employee be reinstated. * DETAWU obo Jacobs v Quality Express [2021] 5 BALR 453 (NBCRFLI) ** NUMSA obo Manyike v Wenzane Consulting and Construction [2021] 5 BALR 479 (MEIBC)

RESPONSIBLE TRADING

Issue 38

SAB IMPLEMENTS THE RESPONSIBLE TRADING PROGRAMME Programme to be piloted in taverns with 32 000 outlets undergoing an audit.

he South African Breweries (SAB) welcomed the ban lift announced by the president on Sunday, 25 July. As the country steadily begins to recover from the detrimental loss experienced during the fourth ban period, economic recovery remains a key priority through focused empowerment of our value chain and communities. We will focus our efforts on ensuring that our traders and retailers are equipped in trading responsibly and with compliance. This will be done through our Responsible Trading Programme (RTP) – an initiative designed to address the issue of harmful alcohol consumption and mitigate COVID-19 transmission. Kgosi Mogotsi, the Regional Corporate Affairs Director at SAB says, “It’s time that South African alcohol retailers lead by example. The Responsible Trading Programme (RTP) is the beginning of a new era for alcohol consumption countrywide. As SAB, we recognise the important role we play in ‘saving lives and livelihoods,’ by recognising and rewarding responsible outlets for serving as pillars within their communities.”

The Responsible Trading Programme - which is modelled on international best practices and principles surrounding the serving of liquor - recognises alcohol traders and retailers for their efforts to encourage responsible drinking, particularly as South Africa is currently experiencing the “third wave” of COVID-19 infections. Retailers will be assessed according to their level of compliance, which falls into three levels of certification, i.e. silver, gold and platinum. As Kgosi explains: “The programme is one of incentives and rewards. When taverns comply with the legal requirements of serving alcohol, they will be rewarded. When they do not comply, we will do everything we can to educate them on how to comply. We are conscious of the fact that while the RTP has been rolled out due to the pressures we’ve faced as a result of COVID-19, it is a necessary step towards a better, more accountable industry in the long run. We are honoured to play our role in supporting the initiative.” Approximately 32 000 outlets across the country will undergo an audit. Piloting the programme in taverns, these outlets will be audited to check for compliance against liquor license and Covid19 regulations for silver certification. Outlets that are certified silver will be visited and evaluated by “mystery shoppers,” who will test for

compliance in refusing to sell to underage persons or to visibly intoxicated patrons. Silver certification audits have been initiated and will continue as soon as the alcohol ban is lifted. Outlets that show compliance in all the different certification levels, will be certified accordingly along with access to rewards from the participating manufacturers for the betterment of their outlets. Outlets who do not pass the audits will be granted access to content that will inform tavern owners on what they are required to comply with by law, giving them the opportunity to close the gaps before the next audit. Outlets that are certified silver, stand an opportunity to be certified gold, which will increase the value of their rewards. Gold audits will take place over July/ August. Taverns that pass the mystery shopper audit and certified gold, will then be considered for platinum certification which looks at the safety of the outlet, community involvement of the outlet owner and harmful consumption reduction messaging in the outlets. “As an organisation, our commitment to responsible behaviour and trading is unwavering. In these times of pandemic pressure and economic disparity, we know that a message of responsibility is more important than ever.” said Kgosi.

INDUSTRY NEWS

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Microsoft and SAtion announce Digital Skills Hub partnership to alleviate unemployment and bridge the digital divide in SA

Ation is proud to announce a partnership with Microsoft to enhance South Africans’ employability in the digital age. The partnership’s online platform — the SAtion Digital Skills Hub — will invest in the country’s socioeconomic progress by providing free access to Microsoft Office 365 suite technology to young South Africans from 8-24 years, free digital literacy resources, and Microsoft Cloud Society resources. The Digital Skills Hub will host three initiatives — the Global Skills Initiative, Mahala, and Cloud Society — each offering different opportunities for the youth, the unemployed, SMMEs, all South Africans, and government officials to acquire digital skills. In this way, South Africans will be enabled to operate more effectively and competitively in the digital world. South Africans wishing to begin their digital upskilling journey with SAtion and Microsoft can visit www.sation.org.za to register for the programme that best meets their needs.

SABRIC: Never use dye-stained notes from ATMS

TMs are an essential part of our country’s economic infrastructure, providing vital services to our communities.

During the recent civil unrest in KwaZuluNatal and Gauteng, hundreds of ATMs were destroyed, hampering the ability of bank customers to access cash and other financial services. ATMs hold cash in special containers that protect cash with dye-stain technology that is activated when someone tries to break open the container. Once activated, the cash is stained with a green dye, thus defacing the notes, rendering them unusable as currency. The stained notes are recognised as having no monetary value once they are stained. People who are in possession of these notes make themselves suspects of a criminal

investigation that will seek to determine if they were involved in the stealing and unauthorised access of these ATM containers. SABRIC has noticed an increase in the attempted circulation of dye-stained notes in KwaZulu-Natal and Gauteng, following the destruction of multiple ATMs. The people of South Africa are cautioned against accepting these dye-stained notes as legal tender as the onward use and value of these notes will not be honoured.

you also run the risk of being investigated, arrested, and prosecuted for the destruction of these ATMs.”

SABRIC CEO Nischal Mewalall said: “You may also find yourself out of pocket after releasing goods or performing services because you will not be able to utilise the currency you were paid with. In addition,

SABRIC therefore encourages people not to transact using dye-stained notes and report any person in possession of these notes to the South African Police Service on 0860 010 111.

INDUSTRY NEWS

Issue 38

FNB brings Apple Pay to customers

NB has brought its customers Apple Pay, a safer, more secure and private way to pay that helps its Retail and Commercial customers avoid handing their payment card to someone else, touching physical buttons or exchanging cash — and uses the power of iPhone to protect every transaction. Over one million customers use the iOS version of the FNB App where they can add their card to Apple Pay or simply open the Wallet app to add FNB cards. It is easy to set up Apple Pay on iPhone using the FNB App, customers simply select ‘Cards’, choose to create a new Virtual Card specifically for Apple Pay or alternatively select an existing Virtual Card, then select ‘Add to Apple Wallet’ and follow the instructions. Customers can also

use Apple Pay on iPhone, iPad and Mac to make faster and more convenient purchases in apps or on the web without having to create accounts or repeatedly type in shipping and billing information. Apple Pay makes it easier to pay for food and grocery deliveries, online shopping, transportation, and parking, among other things. Apple Pay can also be used to make payments in apps and on Apple Watch. Customers will continue to receive all the rewards and beneﬁts offered by FNB’s cards including eBucks and purchase protection on qualifying transactions. Security and privacy are at the core of Apple Pay. When customers use a credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, an industry-standard, certified chip designed to store the payment information safely on the device. For more information on Apple Pay, visit: https://www.apple.com/za/apple-pay/ To set up Apple Pay on other devices, visit www.fnb.co.za for step-by-step guides.

Shoprite’s Money Market Account launches instant EFT payments

hoprite is the first South African retailer to launch an instant electronic funds transfer (EFT) service.

The EFT service enables customers to instantly send vouchers to another person in just three simple steps. Senders only need to enter the recipient’s mobile number and the amount they wish to pay. There is no need to download an app in order to transfer funds. Shoprite, in partnership with Ozow, developed this new service in record time in response to the unrest in KwaZulu-Natal and Gauteng - a safe and reliable way for customers to instantly send vouchers to others. To access the funds, the recipient needs to have a Shoprite Money Market Account, available for free via the Shoprite app, USSD (*120*3534#) or WhatsApp (087 240 5709). Recipients can then use the funds to buy electricity, airtime, data, purchase goods and services in-store via the Money Market Account, or they can even send it on to someone else. Much like Shoprite’s Virtual Vouchers, launched shortly after South Africa’s first Covid-19 hard lockdown last year, recipients can also use the funds at any Shoprite, Checkers, or Usave store to buy groceries or other essentials. However, unlike Virtual Vouchers, recipients can use Shoprite’s instant EFT service without having to visit a physical store. Shoprite and Ozow have created a banking product that’s unlike any other service currently on the market, and there’s no quicker way to send another person vouchers. The service is also free for the sender, with no need to go in-store. “This is another rapid response from Shoprite to a real problem facing citizens on the ground - and we’re pleased that it will remain

as a key product in the growing suite of services offered by the Money Market Account. It goes to show how much we can achieve in a short amount of time when the circumstances require it,” says Jean Olivier, General Manager for Financial Services at the Shoprite Group. Thomas Pays, CEO and Co-Founder of Ozow, believes that the partnership will help millions of South Africans to make instant deposits into Money Market accounts. “With the increased demand for cashless and contactless services, developing innovative payment solutions to meet the real-world needs of consumers is essential. Our collaboration with Africa’s largest retailer helps us to achieve this, allowing more people to participate in the digital economy all while improving financial inclusion and access,” says Pays.

NEW RETAIL PRODUCTS

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NEW ON THE SHELF OH, SO SWEET! MORE REASONS TO LOVE QUICKSHOP AS ENGEN LAUNCHES QUICKEES Engen is extremely excited to unveil Quickees, a new fun and fruity sweet range bursting with real flavour. Quickees forms part of Engen’s Quickshop & Co. range of convenience products, which was launched last year, and now offers exclusive products at 300 select Engen sites nationwide, all locally sourced and presenting good quality at a great price. Quickees sweet range is made with real fruit juice, ensuring super flavour in a wide range of delicious treats for the entire family – from soft gums to mint chews. Quickees, which is exclusive to Engen, will initially consist of 30 core products, with a view to expanding the range in the future. Some of the much-loved products already on offer include: Quickees Soft Chews

Spearmint and Icy Mints, and Quickees Wine Gums, Hearts and Kisses, Sour Rings, Gummy Bears, Big 5, Cars, Snakes Sour Fizzy & Yoghurt, Party Palette, Fruit Pastilles and lots more, as well as a variety of products from Sweets from Heaven, available in small and larger packaging, ranging from 50gm-125gm. Real fruit juice is used to add bursts of flavour but still offering excellent value for money. Price ranges start at R9.90 for Quickees 50gm Soft Chews Spearmint and increase to R23.90 for 125gm Sweets from Heaven, Monster Tongues. Engen have strategically partnered with a local South African manufacturer who complies with the necessary food safety requirements and provide stringent food quality management.

VOTED OFF THE SHELF – SIMBA ALL GOLD TOMATO SAUCE FLAVOUR BAGS OF BITES LAUNCHES THE NEW NATURALLY LOADED RANGE What started out with a great idea in a home kitchen, an electric mixer and granny’s old bread slicer has now grown into 40 variants of handmade artisanal biscuits. After much success, small family run labour of love, Bags of Bites, has now launched their Naturally Loaded Range which is supplied countrywide. Using family favourite recipes, the range is shaped in small batches to ensure the finest results are achieved. Bags of Bites have created the perfect cookies, rusks and crackers for a healthy lifestyle. Wheat, nut, and gluten free with no added sugar, these bites cater for the vegan and banting community. The Naturally Loaded range uses ingredients to produce exceptional quality

creating the perfect companion to your morning coffee, afternoon cappuccino or even dessert wine. The new range includes five variants: Choc & Ginger clusters, Coconut & Seed rusks, Oat & Cinnamon crunchies, Savoury Date & Rosemary crackers and Choc chip cookies. The proof of perfect ingredients is in the tasting, so dunkers beware – the Naturally Loaded range is addictive. Variants retail between R72.99 - R139.99 and are available at Wellness Warehouse, Buy Fresh and Dis-chem. For more information, visit the Bags of Bites website: www.bagsofbites.co.za

Simba has announced that their traditional tomato sauce flavour has been voted out by South Africans, following their “Choose Me or Lose Me” campaign. The campaign invited fans of the delicious crisps to choose which of the three iconic chip flavours – salt and vinegar, tomato sauce and cheese and onion – should survive and which one would be discontinued. Simba gave consumers three months to participate before making the final decision, and the decision about which flavour will be saved also took into account how many sales each flavour made. The final rankings once the votes were tallied were: • Cheese and Onion: 539 298 (44,99%) • Salt and Vinegar: 195 460 (37,00%) • Tomato Sauce: 110 623 (18,01%) The All Gold Tomato Sauce flavour will still be available on shelves for the next few months.

NEW RETAIL PRODUCTS

Issue 38

SOFTLIPS SA LAUNCHES REPAIR RANGE TO SOOTHE AND HEAL PROBLEMATIC LIP CONDITIONS Mentholatum SA, a health and wellness company and distributors of Softlips lip therapy, has announced the launch of its Softlips Repair Range. Softlips Repair is a unisex range which promises to soothe, cool and protect lips. Available in menthol and cherry, the unique glide-on formula contains moisture rich and long-lasting protectants which assist in providing fast acting relief to those suffering from dry, chapped or windburned lips. Its hero ingredient, menthol, provides an immediate cooling sensation whilst SPF15 protects one’s lips from the sun’s damaging UV rays. “We understand that seasonal changes, allergies and constant mask wearing can have a massive impact on one’s lip condition,” says Angelica Hendricks Softlips, Assistant Brand Manager.

“Softlips Repairs is a lip therapy solution applicable to a wide and diverse range of individuals who suffer from varying needs and can offer relief to consumers suffering from chapped or problematic lips caused by harsh environmental conditions through to outdoor sport enthusiasts, allergy sufferers or simply individuals seeking moisturised lips. Taking care of one’s lips is as crucial as taking care of the rest of one’s body,” concluded Hendricks. Softlips Repair provides an easy to use, fast and effective way of protecting one’s lips whilst also assisting in its repair. Available at all leading retailers or via the Mentholatum SA online shop - https:// shop.mentholatum.co.za/ collections/softlips. Softlips Repair retails for R 29.95 (4.2g).

GUDGU CORDIALS IS PERFECT FOR COCKTAILS, MOCKTAILS AND COLD DRINKS

Cape Town based GUDGU (Goedheid Uit Die Grond Uit), is an innovative South African wellness company that manufactures premium sugar-free cordials and syrups in 30 flavours. Not to be confused with standard commercial mass-produced mixes, GUDGU Cordials are as natural as you can get and can be used to make a range of cocktails, virgin cocktails and cold drinks - all of which are completely safe for vegans, people who suffer with diabetes,

and/or people that follow a low-carb, keto or banting diet. GUDGU operates out of its base in Melkbosstrand, Cape Town, and is distributed nationally via a wholesale channel. Nationwide retailers can become stockists. GUDGU is a proven business opportunity linked to a truly unique health and wellness product. With the world’s attention firmly fixed on personal wellbeing, nutrition and protection against disease, GUDGU is ideally positioned to add value to those who just use the product as well as those who invest externally.

To become a stockist or find your closest distributor visit: www.gudgu.co.za or email info@gudgu.co.za

INFINITE FOODS PARTNERS WITH EAT JUST TO LAUNCH SA’S FIRST-EVER PLANT-BASED EGG Infinite Foods, Africa’s premier goto-market platform for leading plantbased food brands, has announced its partnership with Eat Just, Inc., creator of award-winning, top-selling plant-based JUST Egg products. The two companies will be launching JUST Egg Folded, which is perfect on top of toast and inside breakfast sandwiches, to the South African market. The product is the first plant-based egg to launch in Africa and will be sold in retail as a box of four in the frozen foods aisle. The key ingredient is protein from the mung bean, a legume that has been cultivated for thousands of years and is a

dietary staple in Asia. JUST Egg Folded is free of cholesterol, has as much protein or more protein as many animal proteins (7g) and can be easily heated up in a toaster, oven, pan or microwave. The product’s ingredients use 98% less water, 86% less land and produce 93% less carbon emissions than conventional eggs. JUST Egg Folded will be available at all Wellness Warehouse retailers across South Africa. It will also be available via Infinite Foods’ eCommerce site at www. infinitefoods.com/shop. Recipes for JUST Egg Folded can be found on Eat Just’s website www.ju.st or www.infinitefoods.com

Recommended retail prices at time of going to print – prices subject to change at retailers’ discretion. Images: Manufacturers and distributors.

GUDGU manufactures tasty, guilt-free, sugarfree cordials with ten times less calories and without that awful aftertaste.

IQUOR TRADE

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partnership, Through this new s and B2C will both Molson Coor opportunities at k loo continually ovation inn d for new brand an e th in t bu s introduction focus is on getting m ter te dia me im scale and growth MGD back to the ious years. it enjoyed in prev d on a mission to B2C has embarke force within the become a driving rage landscape ve be South African e player in the and a competitiv ership with rtn pa industry. This another key step Molson Coors is is mission, giving th in completing it comes to their ater variety when consumers a gre . beverage choices er brands, such as es many iconic be uc od pr s and or Co n Molso amen, BlueMoon aft, Coors, Staropr y’s an mp co e th Miller Genuine Dr e Whil ative beverages. many other innov

r and director of Peter Hart, founde inks company, B2C Premium Dr g-term strategic lon his comments: “T a global leading partnership with y such as Molson an beverage comp for B2C’s relevance Coors increases et and sk ba r ge big a th its customers wi . ernational brands wider choice of int w the gro to is re he al The ultimate go lish ourselves as business and estab ol r in the SA alcoh ye pla another big e ac sp is th tch Wa beverage scene. .” ws ne ing cit for more ex n Coors regional Ivan Zajsek, Molso d a, Middle East an director for Afric are e “W : ted en Central Asia, comm entered into this delighted to have th B2C, gic partnership wi long-term strate ase ph w ne y mark a which will certainl African h ut So e th in d for our Miller bran light to continue to de market. We hope this th wi a ric Af h ut So beer drinkers in wing look forward to gro iconic brand and ss ro ac lity ibi vis and Miller’s footprint ors h Africa. Molson Co the whole of Sout tgoing ou g din tan g-s its lon wishes to thank in ts or eff n, for all its partner, Heineke er the r Genuine Draft ov lle Mi to on ati rel last few years.”

NEW REVENUE STREAM FOR ALCOHOL AND BEVERAGES INDUSTRY More about B2C Premium Drinks Company: The current B2C portfolio spans all international liquor categories including premium beer, cider, readyto-drink, spirits, and wines and will continue to innovate on this existing portfolio with additional new to market categories. B2C currently services directly and at scale premium onpremises outlets in both the main and formal markets, and supplements this on-premises brand building environment with foundation brand availability across all major South African beverage retailers and wholesalers. Founded in South Africa in 2015, B2C is a contemporary drinks company with an impressive portfolio of marketleading premium and international beverage brands across all major categories. Following the devastating impact that the Covid-19 lockdown has had on the alcohol industry in South Africa, B2C has taken a positive approach to the ever-evolving and competitive landscape. The South African alcohol industry remains a large contributor to the country’s economy: The liquor industry’s manufacturing operations and capital expenditure are responsible for an estimated R94.2-billion (or 4.4%) of South Africa’s GDP. It therefore remains an important sector for the growth of the economy, and one which B2C is hoping to diversify. The company’s focus starts with the South African consumer and meeting their needs within the diverse market which has traditionally been dominated by a few big players. B2C wants to compete at this scale by starting a new chapter for the South African liquor market and introducing a unique offering. B2C will continue to innovate on this existing portfolio, ensuring consumers’ needs are met and playing a vital role in the growth of the economy.

nvesting in cryptocurrencies has become a reality for individuals and businesses in the alcohol and beverages industry with the release of a new crypto collecting hotspot that is designed to earn money while providing a long-range Wi-Fi network for the Internet of Things (IoT). Similar in appearance to a traditional WiFi router, the SenseCAP M1 is placed in the office or home and collects Helium Network Tokens (HNT) as an incentive for building out its IoT network. This is what makes the Helium crypto currency unique, as it is backed by physical infrastructure that has set out to provide a worldwide network of long-range Long-Fi that will enable household or industrial devices to be monitored and controlled over the internet via the Internet of Things (IoT). Coverage of the globe with Long-Fi is largely driven by investment and the ability to earn thousands of US Dollars’ worth of cryptocurrency per month in busy hubs, while quieter areas still earn a tidy sum that usually covers the cost of the hotspot within a few months and then allows ongoing earnings of HNT tokens. The coverage map can be viewed at https://explorer.helium.com/hotspots The managing director of Euca Technologies (the distributor of SenseCAP M1 devices in Africa, Europe and the Middle East) Ernest Campling says in a business environment such devices are typically used in pharmaceutical, facilities management, equipment, agricultural, food, tracking and other industries that require on-the-minute monitoring and control of devices such as controlling equipment, air quality, irrigation, cold storage, building management and vehicles monitoring, etc. The long-range capability of Long-Fi (up to 15km) also enables household automation of equipment such as gate motors, access control, alarm systems, climate control,

lights, curtains and even ovens, washing machines and other appliances to be controlled via a computer or cell phone. In time the Long-Fi IoT network will become pervasive and won’t require access to the standard Wi-Fi and computer networks, which can be easily hacked.

“in a business environment such devices are typically used in pharmaceutical, facilities management, equipment, agricultural, food, tracking and other industries that require onthe-minute monitoring...” Ernest Campling The SenseCap routers are fully guaranteed and can be installed in an office or house in minutes almost anywhere to begin collecting HNT crypto tokens and roll out Long-Fi connectivity to all areas of South Africa and abroad. Zoomable world coverage maps show how especially Asia, Europe, USA and other developed countries have quickly adopted the technology and covered entire regions with Long-Fi. For more information visit: www.euca.co.za or email: sales@euca.co.za

NEW BEVERAGE PRODUCTS

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BRAND NEW BEVERAGES DURBANVILLE HILLS LAUNCHES LOWER ALCOHOL WINE RANGE Keeping in trend with the global shift towards a more mindful lifestyle, Durbanville Hills has launched a new light range that is lower in alcohol and calories. The Durbanville Hills Light Chenin Blanc and Shiraz wines are both at 9% alcohol and around 30% lower in calories. The Durbanville Hills Light Chenin Blanc 2021 is brilliant clear in colour with olive green edges. Inviting vibrant tropical fruit, pear, lime, pineapple, paw-paw and floral notes unravel on the nose and leads to a refreshing, crisp taste brimming with fruit flavours.

Although the Durbanville Hills Light Shiraz 2021 is a young wine, it is very drinkable. The wine holds a ruby red colour with a lovely combination of ripe plum, black cherry, liquorice, hints of vanilla and star anise on the nose. It’s a mouth-filling wine with soft, silky tannins, sweet dark fruit and hints of vanilla. The Durbanville Hills Light range is available nationwide and retails for about R79.99 each. For more information visit: www.durbanvillehills.co.za

CASTLE LAGER INTRODUCES CASTLE DOUBLE MALT Castle Lager, Mzansi’s most beloved beer is proud to bring you South Africa’s first ever double malt lager with the introduction of Castle Double Malt. This new addition to the Castle family is another celebration of Castle’s 126-year legacy in beer. The launch of Castle Double Malt is testament to the brand’s commitment to being proudly local, by combining two carefully selected South African malts from Caledon and Alrode to bring you a superior lager. The combination of these two special malts and the Castle brewmaster’s expertise is the secret to a perfectly balanced beer that has full body, creamy foam, and a rich golden colour. In the new sleek 410 ml pearl, green, and gold can or the premium 340 ml green bottle containing 4.8% ABV, the premium taste is paired with the premium feel, making every day a celebration of success. It will be available in all major retail outlets and online on Takealot, and the Bottles app for R79.99 for a six pack. For more information check out www. castlelager. co.za or follow the official social media pages: #CastleDoubleMalt, Facebook: Castle Lager SA, Twitter: @CastleLagerSA, Instagram: castlelagersa, YouTube: Castle Lager

GLENMORANGIE CREATES A SINGLE MALT WHISKY, SERVED YOUR STYLE AND IT’S NOW AVAILABLE IN SA! Glenmorangie has released a new single malt Scotch whisky specially made for mixing. Crafted with top bartenders, X by Glenmorangie’s sweeter, richer taste is perfect for tall, simple serves, which promise to refresh the way single malt whisky is enjoyed. Glenmorangie’s whisky creators are endlessly imaginative in their quest to dream up delicious whiskies. They make their more delicate, fruity spirit in Scotland’s tallest stills, and age it in the world’s finest casks. “Inspired by the flavour possibilities our whisky can bring, X by Glenmorangie was crafted for all occasions and everyday enjoyment, it’s delicious, neat and pairs wonderfully with various mixers to create delicious, easy-to-make drinks.” explains David White, Moet Hennessy Africa & Middle East Marketing Director. This luscious whisky is an extravaganza of flavours, from pear, vanilla and honeysuckle to orange sherbet and chocolate fudge. Expertly created from a combination of whisky aged in bourbon casks, and some finished in new char oak casks, its sweet and rich taste both complements and cuts through all manner of mixers, for delicious drinks. For more information and cocktail recipes visit: www.glenmorangie.com

NEW BEVERAGE PRODUCTS

Issue 38

ICONIC STOLI® PREMIUM VODKA RELAUNCHES IN SA Stoli Group, a leading global Ultra-Premium Spirit and Wine business, has relaunched its presence in South Africa. Proudly imported and distributed by Firebrand Africa, Stoli® Premium Vodka, is back on South African shelves after 2 years. John K’Otieno, Managing Director, Sub Saharan African at Stoli Group said: “We are absolutely thrilled to be back on shelves. We’re looking forward to working with the Firebrand team to re-launch Stoli in South Africa, which is such an important market for us across the region. More than that, we are excited to combine Stoli’s unmatched quality with the most popular of South African serves and premium occasions.” With more expressions to launch later this year, the brand is eager to inspire South Africans to new, on-trend and sustainable lifestyle experiences. Stoli® Premium Vodka will be available at leading group and independent retailers, with a recommended retail price between R199-R249. For more information visit: www.stoli.com

LOXTONIA NON-ALCOHOLIC CIDER – THE ALTERNATIVE LIFESTYLE CHOICE Non-alcoholic drinks are surging as the trend towards alternative lifestyle choices takes hold across the globe.

INTRODUCING THE NEW 2 LITRE FAT BASTARD CHARDONNAY FOR LARGER LIVING! Your favourite award-winning Chardonnay is now available in a slimline 2-litre box for living on the large size of life! Slim on the outside, fat on the inside! The only thing equal to drinking a glass of FAT bastard Chardonnay is indulging in even more! More wine equals more value and greater dollops of generosity. Now, more than ever, consumers are looking for value for money. • It fits snugly in the fridge door making for convenient chilling. • It keeps fresh for longer, 4 weeks in the fridge. • Sleek and chic, easy to pack and to carry, and unbreakable, it makes for an ideal companion for alfresco enjoyment. • Convenience without quality compromise. The same taste as the 750ml glass bottle is guaranteed. The FAT bastard 2-litre Chardonnay is widely available nationally, retailing at around R150-R170. For more information visit: www.fatbastard.com

Made on the family-owned farm with home-grown apples, Loxtonia Easy Apple Non-Alcoholic Cider delivers a burst of crisp apples with a dry Granny Smith finish. Delicious to the core with just 58 calories, this non-alcoholic cider will never weigh you down. Whether you are a self-care maven, a momto-be or designated driver, you can make good alternative choices without having to give up on the original premium Loxtonia Cider taste. Loxtonia Easy Apple Non-Alcoholic is a blend of the finest hand-picked apples freshly pressed in the cidery on Loxtonia farm. Their proud premise of ‘orchard to bottle’ captures the quality and integrity of the apple throughout the cider making process. Relying entirely on solar power and keeping water usage to a minimum, it’s a sustainable journey with zero waste that begins in the soil and ends with the cider. All Loxtonia ciders are gluten-free, vegan-friendly and free of preservatives and artificial additives. Enjoy chilled, straight from the fridge, or pour over ice and garnish with a slice of apple. Loxtonia Fresh Apple Non-Alcoholic Cider is available at the Loxtonia Cidery in Ceres or leading outlets countrywide. For online purchases at R80.84 for a 4-pack of 340ml glass bottles including free delivery within South Africa. Visit www.loxtonia.co.za

Recommended retail prices at time of going to print – prices subject to change at retailers’ discretion. Images: Manufacturers and distributors.

Loxtonia, the ‘orchard to bottle’ 100% freshly pressed and naturally fermented apple cider from the Ceres Valley, has you covered with a refreshing, low-calorie Non-Alcoholic Cider.

RECIPES

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FOOD AND WINE PAIRING It makes good business sense to include food and wine pairing on your menu. A good wine pairing can enhance both the wine and the food. Try these recipes from some of SA’s pairing pros using some of SA’s favourite wines and ciders, Muratie, Journey’s End and Loxtonia.

BUTTERNUT PUREE RECIPE (Produces 1.1L) Ingredients • Butternut – 1.13kg • Carrots – 145g • Chicken stock – 1 cube • Paprika – 10g • Cream – 30ml • Black pepper – 5g • Salt – 5g • Water – 500ml

Method 1. Peel butternut and carrots, cube the butternut and dice the carrots. 2. Add water, chicken stock cube, butternut and carrots to a pot. Boil until soft.

KIM MELCK’S SLOW-ROASTED PORK BELLY WITH BUTTERNUT PUREE RECIPE

3. Stir in dry ingredients.

Kim Melck has provided her personal recipe for Slow-Roasted Pork Belly with Crisp Crackling for a perfect home-cooked Sunday lunch - which will pair perfectly with the Muratie George Paul Canitz Pinot Noir.

5. Puree in a food processor (hand wand) until smooth – it should have a lovely vibrant colour.

4. Let rest until room temperature then add the cream.

• Take a nice thick pork belly and have it scored in squares or thin strips - this will make the carving easier when cooked. • Pre-heat the oven 180˚ C. • Using medium coarse salt and white pepper, season on both sides - be generous with the salt. • Place half a cup of water in the roasting pan, this prevents the belly getting stuck to the pan and burning.

• Place in the middle of the oven and roast for about 2 to 3 hours depending on the size and thickness of you piece of meat. • The top should be beautifully brown and the crackling fit for a king. I like to serve it with a butternut puree and seasonal vegetables.

RECIPES

Issue 38

FILLET WITH PEPPERCORN SAUCE RECIPE Journey’s End’s Winemaker, Mike Dawson, shares his fillet with peppercorn sauce recipe to be enjoyed with Journey’s End The Huntsman Shiraz Mourvèdre Grenache

Ingredients • 1 tbsp vegetable oil • 25g clarified butter

• 6 medium mushrooms, sliced (from my garden) • 2 tsp green and pink peppercorns, crushed (from my garden)

• 2 fillet steaks (ideally beef matured • 3 tbsp brandy for 3-5 weeks), about 140g/5oz • 100ml Journey’s End “The each, at room temperature Huntsman” (We use a bit more than that) • A knob of butter • 2 large shallots, finely chopped (from my garden)

• 200ml good-quality beef stock • 3 tbsp double cream

Method 1. Heat a frying pan over a medium-to-high heat, then pour in the oil and the clarified butter. Add the steaks, season them with salt and plenty of freshly ground black pepper and cook to your liking (2 mins each side for medium-rare, 3 mins each side for medium, depending on the thickness of your steaks). Be sure to seal the rounded edges, too. Transfer to a plate. 2. Add the knob of butter to the pan, then fry the shallots, mushrooms, and peppercorns over a medium heat for 5 mins, until the shallots have softened, and the mushrooms have browned. Return the steaks to the pan. Heat the brandy in a metal ladle, light with a match then carefully pour into the hot pan, standing as far back as you can. Once the pan has stopped flaming, remove the steaks again. 3. Pour the wine into the pan, turn up the heat and boil rapidly until reduced by half. This will take about 5 mins. Add the stock and reduce again, this time by two-thirds. Stir the cream into the sauce and allow it to thicken slightly. Check the sauce for seasoning, then return the fillets to the pan to warm through, spooning the sauce over. Serve straight away.

LOXTONIA CIDER BRAISED CHICKEN WINTER CASSEROLE Cooking up a storm and tucking into a time-honoured family recipe is what winter comfort food is all about especially when the dish is enriched with a premium apple cider. Having spent over 30 snow-capped winters on their apple farm in the Ceres Valley, the Whitfields of Loxtonia Cider, have a treasure trove of family recipes to take on the chilliest of days. Original Loxtonia Crispy Apple Cider is the stealthy ingredient of their family favourite, braised chicken winter casserole.

Ingredients • 4 bone-in, skin-on chicken thighs • 2 fennel bulbs, sliced • 4 shallots, sliced • 4 cloves garlic, finely minced • A large handful / bunch fresh sage leaves

• 340ml Loxtonia Crispy Apple Cider • 2 green apples, sliced • 125ml fresh cream • ½ bunch Tuscan kale, stemmed & roughly chopped

• 2 Tbsp apple cider vinegar

• Salt and black pepper, to taste

• 1 Tbsp Dijon mustard

• Olive oil

RECIPES

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Method 1. Preheat oven to 180˚C. 2. Heat a drizzle of olive oil in a large Dutch oven, buffet casserole or castiron skillet. 3. Pat the chicken thighs dry with paper towel and season with salt. 4. Sear the chicken thighs skin-side down, until the skin is golden brown. 5. Flip and cook until lightly browned on the underside. 6. Set chicken pieces aside on a tray. 7. Add the sliced fennel to the pan with the residual chicken fat and cook until lightly golden on the edges. Remove from the pan and set aside next to the chicken. 8. If you need to - add a fresh drizzle of olive oil to the pan. 9. Add the sliced shallots and sage leaves. Season. Cook until the shallots soften and begin to take on some colour. Add the garlic and cook until fragrant. 10. Add the apple cider vinegar, mustard and Loxtonia Cider. 11. Stir everything together and bring to a simmer. 12. Add the fennel and the chicken back into the pan and nestle it in the sauce. 13. Dot the apples around the dish. 14. Transfer to the oven and bake for 20-25 minutes until the chicken thighs are cooked through. 15. Transfer the chicken to a clean plate or baking tray. 16. (you can keep the chicken warm in the oven during the next step - or crisp up the skin under the grill) 17. Bring the braise to a gentle simmer on the stove top. Add the kale and cream. 18. Stir until the kale is wilted and the sauce has reduced slightly. 19. Taste for seasoning. Return the chicken to the pan for serving family style. 20. Serve with a good crusty bread for mopping up the sauce and a green side salad.

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LIQUOR TRADE SUPPORT & RELIEF

COCKTAILS & MOCKTAILS

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LOOKING FOR MORE COCKTAIL IDEAS TO REV UP YOUR MENU? WE’VE GOT YOU COVERED WITH RECIPES FOR WHISKEY, RUM, SPARKLING WINE AND BOURBON

CARIBBEAN CHARGE LAPHROAIG PENICILLIN SIGNATURE SERVE • 50ml Laphroaig 10-Year-Old • 80ml Teachers Highland Cream (Blended Scotch)

The Durbanville Hills Sparkling Rosé is a gorgeous blend of Shiraz and Cabernet Sauvignon, with a dazzling coral pink colour and notes of strawberries, citrus, Turkish delight and candy floss. Make this impressive cocktail in a few easy steps! • 35ml Pineapple Juice

• 25ml Lemon juice

• 35ml Gin

• 15ml Honey syrup

• 15ml Lime

• 10ml Fresh ginger

• 20ml Orgeat (Almond Syrup)

Muddle the fresh ginger in the bottom of the cocktail shaker. Add blended scotch, lemon juice, honey syrup and ice. Strain into a rocks glass with 1 large ice cube (you may wish double – strain through a fine tea strainer). Pour the Laphroaig 10-Year-Old over the back of the bar spoon so that it floats on top of the drink.

JIM BEAM HOT TODDY While we’re all encouraged to continue to stay safe and indoors, why not warm our bodies and soothe that trickling feeling in your throat with a hot toddy with a Jim Beam bourbon twist! • 1 shot of Jim Beam • 2 teaspoons fresh lemon juice • 1 tablespoon pure honey • 1/4 teaspoon apple cider vinegar, optional • 1/4 cup hot water or brewed tea • Lemon slice Put honey, lemon juice and the apple cider vinegar in a warmed mug. Add hot water or hot tea and stir until the honey has dissolved. Add the Jim Beam bourbon, stir then finish with a lemon slice and enjoy!

• 2 dashes of Campari • Durbanville Hills Sparkling Rosé to top up Shake all the ingredients (excluding the Sparkling Rosé) in a shaker over ice. Fine strain through a tea strainer into a glass and top with Durbanville Hills Sparkling Rosé. Serve with a Smoked Coconut Clusted Marshmallow.

COCKTAILS & MOCKTAILS

Issue 38

FOR THE RUM FANS, TRY THESE EASY-TO-MAKE, LOW-EFFORT RUM COCKTAILS RUM PUNCH

RUM BABALU

• 60mL dark rum

(for those with more of a sweet tooth)

• ½ a lime’s juice

• 60mL aged rum

• A splash of pineapple juice

• Lime juice

• A splash of grapefruit juice

• 1Tsp of Maple Syrup, or its alternative you have at home

• 2 dashes of Angostura aromatic bitters

• 2-3 dashes of Angostura aromatic bitters

• Your choice of Carbonated/Tonic Water

• Ginger beer

• Grated nutmeg and a cherry as garnish

• Orange peel (optional)

Add the rum, lime, pineapple and grapefruit juice, and the bitters into a shaker with ice and shake well until chilled. Pour the contents into a highball glass, top up with carbonated water and garnish.

Add all the ingredients, except the ginger beer, into a shaker with ice and shake well until chilled. Strain the contents over fresh ice into a double rocks glass, top up with ginger beer and garnish with some orange peel.

Crafted with top bartenders, X by Glenmorangie is made for mixing. To inspire making delicious drinks, Glenmorangie has designed a series of refreshingly simple serves – each needing just 2-4 ingredients.

GLENMORANGIE X DATE NIGHT COCKTAIL A Floral, Fragrant serve, with a hint of sparkle for a special evening. • 50ml (2oz) X by Glenmorangie • 20ml (2/3oz) Lemon Juice • 20ml (2/3oz) Elderflower Cordial • Club Soda or Sparkling Water, to taste Fill highball glass with crushed ice. Add X by Glenmorangie, lemon juice and elderflower cordial. Stir and top with club soda or sparkling water to your taste. Garnish with a lemon twist.

GLENMORANGIE X BLACKCURRANT COCKTAIL Chock-full of darkfruit sweetness, this drink is best mixed with laughter and good company. • 50ml (2oz) X by Glenmorangie • 25ml (1oz) Lemon Juice • 12.5ml (1/2oz) Blackcurrant Cordial • 10ml (1/3oz) Agave Syrup Fill highball glass with crushed ice. Add X by Glenmorangie, lemon juice and agave syrup. Stir, then top with blackcurrant cordial. Garnish with a lemon wheel and a blackberry.

GLENMORANGIE X APPLE COCKTAIL Crisp and rounded, this bubbly serve tastes particularly good with your favourite song. • 50ml (2oz) X by Glenmorangie • 20ml (2/3oz) Lime Juice • 50ml (2oz) Sparkling Apple Juice Fill highball glass with crushed ice. Add X by Glenmorangie, lime juice and sparkling apple juice. Stir, and garnish with an apple slice.

RELIEF & SUPPORT FOR TRADERS

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WAS YOUR INFORMAL OR TOWNSHIP BUSINESS AFFECTED BY THE RECENT LOOTING AND UNREST? THERE IS SUPPORT AND FUNDING AVAILABLE TO GET YOUR BUSINESS BACK ON ITS FEET Government announces R3.75 billion Economic Rebuilding Package with R100 million for SMMEs in townships

he Department of Trade, Industry and Competition (the DTIC) has unpacked the R3.75 billion Economic Rebuilding Package for the restoration of businesses adversely affected by the violent looting and unrest that took place in KwaZulu-Natal and Gauteng recently. “Government has set aside funds to ensure that businesses are able to rebuild as quick as possible. It will be distributed through the department, the Industrial Development Corporation (IDC) and the National Empowerment Fund (NEF),” the department’s Deputy Director-General (DDG) Susan Mangole said. Addressing a webinar on the economic recovery support interventions, Mangole said the Economic Rebuilding Package is part of the broader R38 billion relief

package that was announced by the Minister of Finance. The funding package to support business recovery efforts for the DTIC amounts to R2 billion. “The IDC has tailored a comprehensive package that includes funding for business and communities affected by the unrest. The considered response comprises a total recovery package totalling more than R1.5 billion,” Mangole said. About R1.4 billion has been set aside for the Post Unrest Business Fund to assist all businesses (existing and new clients) that operate in sectors the IDC funds. The funding will be available at concessionary rates to ensure significant development impact.

A grant allocation for R100 million is to provide technical and financial assistance to small businesses in townships, rural areas and small towns that have been affected by the unrest and associated supply chain disruptions. Corporate Social Investment (CSI) initiatives have been allocated R10 million to support food security and recovery efforts in affected communities. This funding will cater for school infrastructure rebuilding, support for care facilities and clinic. The IDC will focus mainly on rural, outlying and less developed areas that now face increased vulnerability. The IDC will be working with its established NGO partners to ensure reach and impact. “In addition, the IDC will be administering the (DTIC’s) R400 million Manufacturing

Issue 38

RELIEF & SUPPORT FOR TRADERS

Competitiveness Enhancement Programme (MCEP) Economic Stabilisation Fund to support manufacturing companies affected by the unrest and offer concessionary funding to affected companies through interest free loans,” Mangole said. The National Empowerment Fund (NEF) in partnership with the DTIC has established the Economic Stabilisation and Rebuilding Fund to support businesses that were adversely affected by the unrest. “Support will be provided in all sectors of the economy with the focus on manufacturing, retail and services businesses. The NEF will support any business that has been adversely affected in all sectors of the economy for an amount of R250 million,” she said. In addition, the Unemployment Insurance Fund (UIF) has established a Temporary Financial Relief Scheme aimed at providing financial relief to vulnerable workers. “It is targeted at workers not paid (partial or in full) remuneration owing to the closure of a workplace as a result of the unrest in KZN and Gauteng. Workers qualifying under this relief scheme will receive a monthly flat rate of R3 500,” UIF Director for Communication and Marketing Makhosonke Buthelezi said. The benefit is intended to be paid from 9 July until 15 December. “To avoid any in-person employee applications for the temporary financial relief under the scheme, an employer who has had to close its business as a result of the unrest must apply for temporary financial relief under the scheme for and on behalf of its affected workers in accordance with these regulations,” Buthelezi said. Applications can be submitted online at www.uifecc.labour.gov.za

MTN SA Announces R10 Million Support for Looted Informal Traders MTN has committed R10 million to support qualifying spaza shops in KwaZulu Natal and Gauteng that were decimated in the unrest. In the days following the unrest MTN SA CEO, Godfrey Motsa, made a public plea for big businesses to work closely with small and micro-businesses to help re-establish and support those entities that were amongst the hardest hit during the rioting and looting. MTN has completed its review of the spaza shops with which it already has existing relationships, that were impacted by the unrest and will open applications for other spaza shops that may be requiring support and are looking to become mobile money (MoMo) agents. Interested parties should email SpazaRelief@mtn.com following which the necessary criteria will be shared for further communication. “Spaza shops help drive local economies, they create jobs and are often hubs of business activities, and they bring basic foods and services directly into communities that have historically been desperately underserved. We want people to be able to buy airtime and cash-in or cash-out on MoMo but importantly, we want these communities to return to a sense of normalcy and pride, which is why we will be partnering with identified stores to help with their rebuilding and restocking,” says MTN SA chairman, Mike Harper. “Our help will extend beyond just MTN products, it will also help with restocking some of the more traditional merchandise sold in these stores,” says Harper.

Relief fund for informal traders through SEFA and banking partners The Small Enterprise Finance Agency (SEFA) has entered into an agreement with various banking partners to implement a programme to support informal and micro businesses in the informal sector affected by the recent civil unrest. The informal sector is encouraged to apply to access this relief. This will be done through the provision of business focused support (financial and non-financial) utilising the Township and Rural Entrepreneurship Programme (TREP) targeting the fruit and vegetable vendors’ scheme specifically. The programme will support approximately 17 667 entrepreneurs with R3 000 each as a once off grant totalling R53 million via the banking partners. The business support aspect of the programme will be coordinated through the Small Enterprise Development Agency (SEDA). In order to apply, you must be a South African and must produce a valid South African identity document, have a South African bank account and be willing to participate in SEDA and Department of Small Business Development facilitated business development processes. There is no minimum turnover required for vendors applying. Preference will be given to businesses owned by women, youth and people living with disabilities. Applicants do not need to be registered with the Companies and Intellectual Property Commission (CIPC) and the South African Revenue Service due to their size and status of operation. Banks will utilise various informal trader’s associations to verify the operations of the informal traders. Michael Hlangu, Senior Manager of Informal Trade at the City, said this financial assistance will help traders get back to business. “Through our social partners, 200 informal traders selling fruit and vegetables have received vouchers to purchase stock at the Clairwood Bulk Market worth R1 000 for each vendor operating at the Isiphingo Market.” He said to improve regulatory compliance of informal traders, the Municipality is rolling out compliance workshops in partnership with government entities. The first workshop was held on 10 August at the KwaMashu L Community Hall. The Municipality is currently finalising the approval process of the 18-month rental holiday for informal traders effective from 1 July 2021 to 31 December 2022. To access the SEFA funding, associations can submit their members applications to sefainformaltraders@nedbank.co.za For more information email helpline@sefa.org.za or info@seda.gov.za

TOWNSHIP ECONOMY

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THE IMPACT OF RIOTS AND LOOTING ON SPAZA SHOPS IN JHB

Image: Big Red Design Agency / Shutterstock.com

Insights from research conducted by Ask Afrika, in partnership with Yebo Fresh

ne-third of spaza shops in Johannesburg suffered looting or damage in the recent violent riots which took place in July with most requiring assistance to repair structural damage and capital to replace stock before they can resume trade, according to research conducted by Ask Afrika in partnership with Yebo Fresh, a tech-start-up who are on a mission to rapidly restock spaza shops. Ask Afrika interviewed 200 spaza owners during July 2021. According to Gauteng Premier, David Makhura, the looting and damage to retail outlets in July has set the township economy back by 15 years. Spaza shops play an important role in their communities, offering consumer’s well-priced products and convenience as a result of their proximity. More than this, however, they also provide financial

support in the form of credit and food to those in need. Many take their role in the community seriously by offering grocery donations for occasions such as funerals. Their existence also helps to grow the local economy. The aim of Ask Afrika’s research was to understand the impact of the looting on spaza shops in Johannesburg, including the extent of the damage suffered, what is required to restock outlets, and whether owners have the available capital to restock essential items. The study found that of those stores that were looted, nearly 80% lost more than half their stock and urgently need to replenish products, including maize meal, beverages, sugar, tinned food, rice, household goods, sauces, seasoning, spices, oil, vinegar, coffee, bread and personal care products, before they can resume trade.

Damages to interiors, primarily to fridges, freezers and shelving, was more significant than exterior damage. Nearly 40% of spaza shops experienced structural damage. On average spaza stores earned just under R21 000 per week prior to the looting. The report found that during the looting, half of spaza shops lost more than R10 000 and 20% lost more than R50 000 of products. The majority of spaza shops need financial assistance as they don’t have sufficient capital available to restock essential items and replace fridges. The average amount required to restock essential items is R47 316. Half of all stores need more than R20 000. Only 16% of spaza stores need no assistance.

TOWNSHIP ECONOMY

However, help is not forthcoming and spaza shops are not receiving any real support from either business or large corporates. The study found that a total of 40% of spaza owners say nobody is helping them to rebuild in their community after the destruction caused by the looting and riots, leaving them to take personal responsibility for rebuilding. Yebo Fresh are looking to do something about this by collaborating with businesses and corporates to bring relief to affected spaza shops. “Support to affected small businesses would go a long way to rebuilding, growing solidarity and fast-tracking trade,” says Ask Afrika founder and CEO, Andrea Rademeyer.

Image Supplied

Issue 38

LIQUOR TRADE SUPPORT & RELIEF

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DIAGEO SOUTH AFRICA LAUNCHES NEW R25-MILLION CAMPAIGN TO REBUILD AFTER UNREST AND ALCOHOL BAN Funds will go towards alcohol outlets that were vandalised and looted

n the wake of the recent unrest in the country, Diageo South Africa has launched a R25-million relief initiative to help the country’s liquor industry following the looting and destruction of businesses in Gauteng and KwaZulu Natal. The money will go towards alcohol outlets which were vandalised and looted during the week-long riots. The impact of an already strenuous year for many businesses, due to lockdown restrictions has been worsened by recent events. Now more than ever, Diageo is committed to connecting with its partners and offering relief through this purpose-driven campaign geared towards rebuilding the industry that will ultimately get South Africans back at work again. Diageo has been inspired by the many South Africans who have rolled up their sleeves to help clean up and rebuild. Diageo hopes this financial contribution and stock injection will help speed up the recovery of those businesses affected by the riots. Zizwe Vundla, Diageo SA’s Marketing Director says, “We want to see businesses rebuild and thrive again. We are prepared to work and contribute to the collective progress, from consumers to business owners. We must realise that even in distress we have always been able to rise above our challenges as South Africans.” “We cannot shy away from the damage that many have suffered in the past week of which the full extent is still unknown. The looting coupled with the country’s extended alcohol ban has heavily impacted mostly small businesses and the families behind them, as well as the wider industry supply chain. Therefore, it is important that through our flagship brands, Johnnie Walker and Smirnoff, we offer these businesses another shot at rebuilding so we can get South Africans back at work.

Through this relief fund, we will be able to assist businesses by doing the following: repairing and replacing shop fitting, replenishing of stock, clean-up drives, cash injections to help business owners pay their staff during a time where business operations have halted, marketing support, food parcels to restaurant and bar employees that have lost their jobs as well as giving our trade partners reprieve on payment terms” Vundla added. This commitment is in addition to the support that Diageo SA provided to the industry last year, through partnerships with the Restaurant Association of South Africa which saw more than 400 establishments in Johannesburg, Cape Town, and Durban assisted with R200-million support to cushion them from the blow of COVID-19 lockdown and the alcohol restrictions. “We want to show our customers that we are still with them during this tough time, as we continue to give back to them,” says Zizwe Vundla, “Johnnie Walker has always been a powerful force, bringing people together for centuries, and now more than ever, we have to keep walking with them and help them rebuild their businesses.”

TOWNSHIP ECONOMY

Issue 38

GOVERNMENT INVESTMENT IN TOWNSHIP SMEs SHOULD BE WELCOMED, BUT IT MUST RELOOK BUSINESS CONDITIONS By: Miguel da Silva, managing director at Retail Capital

overnment’s announcement that it has allocated just short of R700m to support small and medium enterprises (SMEs) in the informal township and rural economies should be welcomed. It is a clear indication that our government acknowledges that this sector has not had the support it needs, and that it appreciates the importance of informal businesses for the overall wellbeing of the country. As we battle the Covid-19 third wave and pressure grows on government to expedite the vaccination rollout, we must look forward to a post-pandemic time where we can take advantage of the inevitable global economic rebound and consider the possibility of finally fulfilling the immense potential of South Africa’s SME sector in its entirety. The Township and Rural Entrepreneurship Programme (TREP), if implemented effectively, is a good step in supporting the informal sector. While no one knows for certain the exact size of this segment of the economy – precisely because it is informal – it is clear it holds immense potential for job creation and prosperity. The interventions, while different in size and with differing formats per industry, aim to provide support for investments such as equipment, working capital and credit facilities. We all know that a lack of access to finance is the single-biggest obstacle to SME growth worldwide, and one of the primary reasons small businesses fail. However, applauding the initiative is not enough. We must acknowledge the hesitancy and fear within this sector to move from a cash basis into the formal economy. There is a fear of being overtaxed and overburdened by regulation. And so, while the TREP initiative is a good step, it won’t be nearly as effective as it could be if government doesn’t take the opportunity to relook at the regulations and policies that affect micro and small enterprises. They must be incentivised to formalise their operations. Without that, we are missing the singlebiggest opportunity to unleash the sector’s potential. If entrepreneurs in townships and rural areas fear regulatory red tape and the tax burden, they will continue to be hesitant in adopting digital and cashless practises.

Without a concerted overall effort to be more business-friendly there will never be a mass migration from informal to formal. Why does this matter? How would the businesses themselves, the communities where they operate, and the economy as a whole benefit from the sector being formalised? To answer those questions, one must understand the reality of many informal businesses and clear up a potential misconception. Retail Capital, and our partners, interact with an array of different businesses in the sector. These range from owner-run sweet shops all the way to wholesalers. While these businesses are cash operations, they are profitable and wellrun. Some businesses in this sector are doing turnovers far higher than SMEs we service in the formal sector. It’s just that they are cash operations, and so it is difficult to quantify the size of the sector. What is clear, though, is that the sector holds immense potential and can play a massive role in job creation and the economic prosperity of the country. If an informal business, for instance, digitises and makes the move to being formalised, several benefits immediately become

apparent. The first is that it gets access to a wide pool of formal private sector consumers who bring significant buying power to the table. As the businesses build a track record, they can access an increasing suite of financial services, from working capital loans to more elaborate products. This alone could finally see these enterprises break through their glass ceilings and grow into larger businesses employing more people. Perhaps the most understated, but a crucially important, benefit of formalising their businesses would be access to more mainstream suppliers and skill sets. This would result in better products and allow them to compete directly with the formal private sector. However, none of this will happen unless government directly addresses the informal segment’s fear and distrust of going formal. Red tape, labour laws, taxation – complementing the TREP programme with a comprehensive overhaul of the conditions to do business would go a long way toward steering the country into unchartered growth territory.

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STOKVEL SAVERS ADOPTING DIGITAL TOOLS

1 446 applications through this channel, 38% of which were converted to stokvel accounts. With restrictions on movement and gatherings, Covid-19 has prompted stokvel members to adopt digital payment methods.

Since the Nedbank Stokvel Account was launched in September 2018, more than 4 200 accounts have been opened, and 183 000 lives insured through its innovative funeral cover solution. The most popular types of stokvel are savings stokvels, grocery stokvels and funeral societies.

Electronic funds transfer (EFT) deposits increased by 134% year-onyear, most likely attributed to the growing awareness of the lower cost, convenience, safety, enhanced user experience and overall ease-of-use of going digital. This growing awareness did not happen randomly but was the result of sustained communication to clients about the overall value of these smart channels.

edbank insights reveal that collective savings accounts – stokvels – are not only seeing a continued increase in new accounts opened, but also a rapid adoption of digital channels. This is attributed to the shift in banking behaviour during the national lockdown.

Females are the best savers, making up 55% of the stokvel account members across the country. Gauteng continues to lead with the largest portion of savers (53%), followed by Limpopo (13%), the Eastern Cape (10%), Free State (8%), Western Cape (6%) and 3% each for Mpumalanga, KwaZulu-Natal, and the Northern Cape. ‘We found that many South Africans who are members of stokvels were not participating in the formal banking system,’ says Sisandile Cikido, Head of Retail Investments at Nedbank. ‘Our stokvel account proved to be a popular vehicle to enable members to continue to save communally as they have always done, but with the added benefits of security, competitive interest rates and new access to nofee banking.’ Data also shows that this audience perceives formal savings as complex and unattainable with high barriers to entry. Some 77% seniors, 83% adults and 89% young adults put money away in informal savings, and they do not limit their savings to stokvels and clubs. This form of informal group saving is still looking to do more with their money and require bespoke banking solutions that will cater to these various needs. Since the launch of the USSD (cell-phone) functionality to open a stokvel account in March 2019, Nedbank has received

Covid-19 might have limited the bank’s interactions due to requirements associated with social distancing, but it is critical that people still save the little that they can, says Cikido. The pandemic has been a challenge for stokvels wanting to bank their money as most banks do not have digital solutions for this market. Over the last year, Nedbank has seen a significant uptake in the use on the USSD channel for stokvel onboarding, as well as digital deposit capabilities such as deposit-accepting ATMs and EFTs. An end-to-end digital solution is high on Nedbank’s list of priorities,’ says Cikido. Nedbank is the market leader in the stokvel product category and the first service provider that enables clients to open an account digitally via the USSD string *120*001#.

Value-added services • Clients who use their stokvel pay-out to spend on purchases will not attract any fees if they use a Nedbank Pay-as-you-use Account. • Stokvel members with a Nedbank Pay-as-you-use Account transact in and out of their stokvel account at no cost. • Transactions from the Pay-as-you-use Account to a stokvel account are instant, offering members significant convenience. Stokvel members can automate their monthly contributions through setting up a debit order via the Nedbank Money app.

TECHNOLOGY

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Do you want a bank that helps you reach your stokvel savings goals? With a Nedbank Stokvel Account, you can do the following: • Get discounts of up to 10% on groceries and school supplies. • Get R10 000 funeral cover at a monthly premium of R25 per stokvel member. • Earn great interest rates when saving through a Stokvel Account. Not only that, but you can easily make payments into your Stokvel Account at a Nedbank Intelligent Depositor ATM or via electronic funds transfer or debit order. So, do you want a bank that takes your money, or a bank that takes your money seriously? Open an account today and add members easily by dialling *120*001# or visit a Nedbank branch.

Terms and conditions apply.

Nedbank Ltd Reg No 1951/000009/06. Licenced financial services and registered credit provider (NCRCP16). Funeral cover underwritten by Nedgroup Life Insurance Company.

STOKVELS

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SECOND QUARTER BEST-PERFORMING STOKVELS

race run, a dream landed, a little victory and certainly wellearned. We are delighted to introduce you to the Stokfella 2nd Quarter of 2021 Best Performing stokvels. It is the curtain call, and the applause is for all Top 10 of you. What you have been able to achieve is phenomenal. We could not have been more impressed. Your drive and passion are infectious to other stokvels. Congratulations on your success! Trust -Sakhisizwe Property Stokvel – A stokvel club with the objective of investing in high-yield multi-tenant properties in Gauteng, KwaZulu-Natal and Western Cape for the benefit of all their members. They provide property investment opportunities for people who wants to invest in property but do not have the time, skills or large sums of money required. https://www. sakhisizwepropertystokvel.co.za/ Financial Freedom Stokvel – Financial Freedom Stokvel seeks to create a culture of saving among its members as a foundation towards the goal of gaining financial freedom. This also serves as a community building initiative deeply embedded in ubuntu. EDPF Stokvel – EDPF is an IMPACT Fund with a mission to empower previously disenfranchised entrepreneurs who wish to enter the property sector and transform this R5.8-trillion sector that has been slow or unwilling to be part of the transformation process. https://www.edpf.co.za/wp/stokvel/ JV Butchery Stokvel – The purpose of this stokvel is to invest its members’ contribution into a weaner agriculture opportunity where members will get returns after the weaner has been slaughtered and sold. JV Butchery Stokvel has raised R800 000 in just three months. Yarona Property Company – The purpose of this stokvel is to invest in properties. ALIT – The purpose of ALIT is to foster healthy social interactions with the main purpose of uplifting the livelihood of members through purposeful and sound diversified investments. ALIT is founded on the basis that its members will enjoy the benefits of joint financial investments and revenue generation which will ultimately benefit future generations within the ALIT family ambit.

Caladrius Investment Holdings – A group of medical professionals with the aim of starting a mutual bank. Caladrius Investment Holdings is a registered cooperative and has raised more than R1-million from March 2020 to date. The People’s Stokvel – The People’s Fund is a purchase order crowdfunding platform for businesses that have orders with government and corporate and are looking for capital to deliver these orders. The platform allows everyday people to participate in the growth of these talented entrepreneurs; while also making it easier for entrepreneurs to get access to funding. http://www.thepeople.co.za 100 Shooters – Members save R100 or more every Monday of the week for a period of 12 months and it will be done every year. Payouts are done every January, which helps reduce the stress and burden that comes with the first month of the year. This is to motivate and encourage other individuals who are unable to save money on their own, to learn and be consistent with their savings. United Matebeleland Sons and Daughters UMSD – The vision of the stokvel is to save money together, which will be used in investments to uplift ourselves and create generational wealth for us. We are trying to move away from raising money and share in December or raise money and buy groceries in December. We have decided to raise money and invest it together in whatever business we agree on. If you are interested in joining one of these stokvels, you can easily login, search and request to join the stokvel on the StokFella app using their name. If you want to start a stokvel on the StokFella app that has the passion and drive to be on this Top 10 list, click here. Happy saving! Disclaimer: This is article is not financial advice. Due diligence is to be done on any stokvel you join.

PROPERTY

Issue 38

FNB LAUNCHES A NEW LENDING SOLUTION TO ALLOW UP TO 8 PEOPLE TO BUY PROPERTY COLLECTIVELY Customers have flexibility to pay monthly instalments from each of their accounts

NB has launched an industry first property lending solution that allows up to eight members to buy property as a collective for residential purposes. CEO of FNB Retail, Raj Makanjee says, “Buying a home is one of the most fulfilling long-term investments that most people will ever make. Even though interest rates are at record lows, the global pandemic has made it increasingly difficult for aspiring homeowners to afford properties. Through the launch of the Collective Buying solution, we aim to bridge the gap in the market and help all customers realise their ownership dreams with ease.” Lee Mhlongo, CEO of FNB Property Finance, says, “Our records show that when a customer considers purchasing a property, they tend to forget all the other additional costs included in their home loan such as registration costs, transfer duties and sometimes a deposit, presenting more barriers for one to afford the property. The advantages of buying a property collectively with friends and family means that customers are now able to share the costs equally to make the purchase and the process affordable. Another advantage is that customers will also enjoy reduced monthly repayments and personalised rates.” To kick start the home loan application journey, customers can submit the application via the FNB App on nav »Home. This permits up to 8 applicants, inclusive of

How to apply on the FNB APP

applicants who are married in Community of Property (COP) to be added. Should the number of applicants exceed 8 parties, this can be applied directly via the FNB channel such as a branch.

Step 1: Log into the FNB App and tap navigate life in the menu

Once the application has been submitted, the bank will review each customer’s credit profile including the nature of income, expenses, household size and affordability. These are assessed in conjunction with credit bureau profiles and the information on the account conduct with various creditors and banks. The solution allows for customers to elect and deposit funds directly into one transactional account and to run debit orders or to request a stop order payment from their transactional accounts.

Step 3: View welcome and take note of the documentation needed

Furthermore, FNB has split billing functionality which allows multiple parties to pay on various dates at specified contributions. “We urge customers to take advantage of buying as a collective and start their journey to own property. This is another way we are helping our customers to own their dream home and unlock their wealth creation journey, through investing in property as a group. Customers that fall within the ‘gap housing market’ whose income is between R3 501 - R22 000 are still encouraged to consider FLISP, a government home ownership assistance programme. The benefit of a cash contribution from such a programme can significantly reduce the financial burden on households,” Mhlongo concludes.

Step 2: Click on nav>> Home and tap apply for home loan

Step 4: Enter your details and tap on confirm applicant summary details Step 5: Confirm if you were referred by a Sales Consultant Step 6: Enter the details of the property you want to purchase Step 7: Enter the loan details and confirm if you would like to add a co-applicant Step 8: Enter tax details, employment details, income and expense and debit order details Step 9: Click to accept the terms and conditions and upload application documentation. That’s it, your application has been submitted.

Spotong Issue 38

Articles inside

GET YOUR CUSTOMERS TO PAY INVOICES ON TIME

SANITISING VS DISINFECTING VS STERILISING