expansion in all directions - enablis annual report 2009

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Enablis 09Expansion in all Dimensions

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EXPANSION

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Client : ENABLIS Nº dossier : 29-7521GDescription : RAPPORT ANNUEL 2008Publication : Livret Expansion Date parution : —Infographiste : NATALY/DANIELNom du fichier :7521_ENABLIS_EXPANSION_7.indd

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06_07Our Mission

08_19Dear Enablis stakeholders

20_21Financial Highlights

22_27EFC Review of activities

28_29Expansion in Kenya

30_33West africa Expansion

34_39Expansion to the americas

06_07Our Mission







06_07Our Mission







06_07Our Mission







06_07Our Mission








Our Mission Enablis is a non-profit organisation created to drive measurable economic development and build thriving and self-sustaining small- and medium-sized enterprises (sMEs) in the developing world. This is done through a membership-based approach aimed at empowering individual entrepreneurs and their ideas in partnership with governments, the private sector and civil society. Our Vision To nurture a dynamic entrepreneur network of men and women connected to global markets, which has become the benchmark for sustainable enterprise development initiatives.


08 Review of activities

Dear Enablis stakeholders

[[nETWORK]] Dear Enablis stakeholders, The Enablis Entrepreneurial network grew by 61% to 743 entrepreneur members in fiscal 2009, marking six years of rapid growth. according to an annual indepen dent survey of members, the Enablis network has created 5,029 actual jobs since 2005. Our footprint in africa now includes chapters in south africa, Mozambique, Tanzania and Kenya, and we are poised for exponential growth again this year. [[OpTiMisTs]] still, while Enablis takes this opportunity to expand, the turbulent global economic climate in which entrepreneurs find themselves is worrying, as even at the best of times, sMEs face numerous obstacles and substantial challenges. [[sTRaTEgiEs]] Despite this, Enablis continues to operate within this environ-ment, stimulating entrepreneurs in africa to find smarter business solutions and, where they struggle, to work with them to develop turnaround strategies that may help them



Dear Enablis stakeholders

weather this storm. [[ubunTu]] in south africa, Enablis has re-engineered its model in order to reach the 1,000 entrepreneur member target set by our local board for fiscal 2011. Our new approach has a greater focus on facilitation and member- to-member contacts. This allows more entrepreneurs to join Enablis and creates larger, more self-sufficient and ultimately stronger network nodes. Overall, this approach is perfectly consistent with the african concept of ubuntu — ‘a person is a person through other persons’.

[[WinnERs]] Twenty winners of the Fnb Enablis business launchpad were announced in mid-January, south africa’s biggest such competition. Many have now been inducted as members, trained in Enablis Circles and fast-tracked for financing. almost 2,000 business plans were submitted to the 2008 competition. [[gROWTH]] growth and success of Enablis south africa is directly dependent



Dear Enablis stakeholders 13 Review

of activitiesDear Enablis stakeholders

a ceremony honouring the first Enablis entrepreneurs to successfully retire their loans with Fnb, guaranteed by the fund. a total of ZaR 4.1 million was repaid in full. Congratulations to Enablis members alex Mann, James Melliar, brian segal, Fairoz Jaffer, shahnaaz scharffenorth, nathaniel sebolai and Wessel schumyn who success-fully retired their loans. [[ExpansiOn]] Fiscal 2009 was a watershed year for expansion of the Enablis network across the East african region, with new chapters opened in Dar es salaam, Tanzania and Kisumu, Kenya. We also recognised the 500th member of the Enablis network in africa, Ms. Janine Kamau, who runs a juice and health foods business based in Yaya Centre in nairobi. Our first Enablis business plan competition in East africa, “The Chorabizna Enablis launchpad”, was successfully launched last February in part nership with the Kenyan Ministry of Youth affairs and other sponsors, with the winners an nounced in mid-2009. [[glObal]] last year, we transitioned from phase i to phase ii of the Canadian international Development agency’s

on the support of government and the private sector. at the start of the year, we entered into a new four-year agreement with government partner Khula Enterprise Finance (Khula). [[suppORT]] partners First national bank and Revlon also confirmed important grants over a one- or two-year period in addition to some other key initia-tives. We also welcomed a new partnership with pick ’n pay through their ‘‘shelflife’’ initiative. We thank all our partners for their generous support. [[FunDing]] During fiscal 2009, 18 transactions totalling ZaR 20.1 million in financing to Enablis members were approved in south africa. This brings the total approved funding since inception to ZaR 79.5 million for 70 entrepreneurs.

[[suCCEss]] The return to investors on our vintage 2004 Enablis Khula loan Fund (EKlF) for fiscal 2009 was an impressive 9.8%. The combined default rate of that fund and the vintage 2006 Khula Enablis sME acceleration Fund (KEsaF) stood at 3.9% for the year, up from 2.3% the previous one. investors in EKlF celebrated the fourth anniversary of the fund at





Enablis Circles going forward. [[inDEpEnDEnT]] in the 2008 independent entrepreneur survey, researchers found that Enablis members were, on average, creating six jobs per member (including both full- and part-time). since 2005, this translates into an estimated 58,699 direct and indirect jobs being created by the entire Enablis member network using standard multipliers and, most importantly, 307,333 africans with an improved socio-economic standing. [[susTainablE]] Enablis en trepreneurs have, and continue to have, an amazing track record at building sustain-able sMEs, both growing their businesses and creating employment, all of which is vital to strength ening developing world economies! [[iMplEMEnTaTiOn]] last year, Enablis received another generous grant from africa founding partner Microsoft, for implementation phase funding to expand the Enablis model to West africa. [[REsEaRCH]]

global founding partner accenture contin-ued to support our activ ities in africa in the second year of their three-year grant. in addition, accenture Development partnerships (aDp) carried out two

(CiDa) funding to Enablis in East africa. CiDa is a global Enablis partner having provided critical seed funding for both south and East africa. an agreement was also signed with the Kenyan Youth Enterprise Development Fund for a loan facility up to KEs 300 million. The new KEs 600 million Enablis loan Fund was launched in March, thanks to a matching contribution from CiDa. Finally, the safaricom Foundation in Kenya agreed to provide funding for the business plan competition and for Enablis East africa’s programming. Thank you to all our East africa partners. [[sTiMulus]]

To ensure ongoing excellence and high attendance at Enablis Circle meetings, all facilitators of the Enablis Circle groups from africa were invited to a facilitators’ retreat at the end of the year in Johannes-burg. Enablis leaders from four countries met to exchange best practices, improve their skills and suggest innovations to the program. at this retreat, we also launched the Enablis Centre of Excellence: E-Circle program. We believe that this centre will be a great stimulus to further the success of





cutting, though none of this will be done at the expense of our services to entre-preneurs. Enablis will emerge from this slowdown as a stronger, more efficient organisation with all the proper processes and procedures it needs for the next phase of its global rollout. [[COnTRibuTiOn]] Connie nkosi completed her two-year term as Chairper-son of the Enablis south africa board and was succeeded in april by bheki sibiya. lynette Chen was elected to the position of Vice-Chairperson of Enablis south africa. James gachui, Chairperson of the Enablis East africa board, replaced Mrs. nkosi on the Enablis global board. We would like to thank Mrs. nkosi for her strong contri-bution over her term and particularly for agreeing to stay on the board as a director going forward. We would also like to thank Thomas Hansen who stepped down from the boards of both Enablis south africa and Enablis East africa last year. Mr. Hansen was an active member of our local boards and a champion of Enablis’ growth across africa. new directors joining Enablis were bill blair in south africa, and louis Otieno

fea sibility analyses in West africa. One covered senegal and Côte d’ivoire, and the other covered nigeria and ghana. aDp seconded consultants to work closely with Enablis to research whether the pre-conditions for an Enablis implementation existed in these West african countries. The output was a business plan and roadmap for deployment. These separate studies, entirely donor funded, were deliv-ered in the second and fourth quarters last year. [[pROFEssiOnals]] based upon favourable recommendations and the support of Microsoft, Enablis opened representative offices in Dakar, senegal and accra, ghana. both offices are led by strong and experi-enced professionals in the sME space. We are bullish about prospects for the full launch of Enablis West africa this year.

[[OpTiMisaTiOn]] in this business environment, it is incumbent upon us as an non-govern-mental organisation (ngO) to take stock of the reality of the current global economy. as part of our 2010 fiscal budget, we have adopted a rigorous plan aimed at opti-misation, economies of scale and cost





in East africa. We thank depart ing direc-tors and welcome new ones. [[aCTiVE]] after three years as Chairperson of both Enablis investment Committees in south africa, Marc balkin stepped down. Mr. balkin has agreed to remain a member of the Com -mittees. He was succeeded on January 1st by Richard parker, who had served as an independent member for over a year. We would like to thank Mr. balkin for his active engagement in Enablis’ financial services activities. [[THanKs]] The economic situation has not daunted the spirits of our staff members who are working tire-lessly to support Enablis entrepreneurs. special thanks to all our colleagues and member leaders in Cape Town, upington, Johannesburg, Durban, Maputo, nelspruit, Dar es salaam, nairobi, Kisumu, accra, Dakar and Montreal for contributing to the success of the Enablis network.

Thank you for supporting the Enablis vision of empowering ideas and people

Charles sirois Global Founder, Chairperson, President and CEO Enablis Entrepreneurial Network

paul lamontagne Chief Executive Officer Enablis Africa Region


20 Review of activities 21 Review

of activitiesFinancial Highlights

Enablis wishes to acknowledge the contribution of KpMg in south africa, Kenya and Canada as the organisation’s external auditors

Consolidated statement of Operations for Enablis Entrepreneurial network, Enablis Foundation Canada, Enablis Entrepreneurial network south africa and Enablis Entrepreneurial network East africa.

Financial information Highlights

Revenues 2008 government of Canada

3,038,000Other donors and contribution of rendered services 2,150,110 5,188,110Expenses

staffing and travel 1,972,690

Corporate and professional services 433,624Office and other expenses 384,713services and marketing 233,610Contributions to the Enablis Khula loan Fund 2,000,000Contributions to Enablis East africa Trust

5,024,637Excess of revenues over expenses 163,473

For the year ended March 31st in Canadian $

Financial Highlights



Enablis Financial Corporation

[[gROWTH]] Enablis Financial Corporation’s (EFC) fourth full year of operations again featured high growth. The investment team reviewed 49 investment opportunities coming from both the pipeline of entrepreneurs regis-tered in the Enablis network in south africa, as well as the pipeline created by the succes sful Fnb Enablis business launchpad Competition. [[EnTREpREnEuRs]] last year, 18 trans-actions totalling ZaR 20.1 million in financing to Enablis members were approved by our two investment Committees in south africa. This brings the total approved transactions since inception in late 2004 to ZaR 79.5 million for 71 entrepreneurs.

[[FinanCing]] The trustees of the Enablis Khula loan Fund approved six transactions last year, totalling ZaR 8.4 million. This has resulted in 41 financings to date. Five financings have been fully repaid. There



Enablis Financial Corporation

were two loan defaults last year, totalling ZaR 229,000. The return to investors for fiscal 2009 after all costs was 9.8%.

[[appliCaTiOns]] The trustees of the Khula Enablis sME acceleration Fund approved 12 trans-actions last year, totalling ZaR 11.7 million. since inception in December 2006, 39 applications from Enablis members have been approved. provisions were made against two investments totalling ZaR 1.9 million last year, and there were two exits totalling ZaR 630,000. The combined default rate of both funds stood at 3.9% for the year, up from 2.3% the previous one.

[[MOniTORing]] Monthly post-investment sessions were held with all entrepreneurs to ensure the appropriate monitoring and follow-up assistance was provided. Entrepreneurs are required to provide updated management accounts and revised revenue forecasts,



Enablis Financial Corporation 27 Review

of activitiesEnablis Financial Corporation

solutions. [[lOans]] in East africa, the Enablis loan Fund signed a loan agreement with the Kenyan Youth Enterprise Development Fund for up to KEs 300 million at a con cessionary rate. The KEs 600 million Enablis loan Fund was launched in March, thanks to a matching contribution from the Canadian international Development agency. Our first loans to Enablis entre-preneur members in Kenya are expected by mid-year. [[CaTalYsT]] We are in the process of structuring the Enablis sME africa Fund. This new fund of funds will invest in new Enablis country funds. This will allow us to substantially shorten the time required to launch a fund in a new country going forward. We expect an initial closing in early 2010. This new Mauritius-based fund will be the catalyst for a third fund in south africa, a second fund in Kenya and up to four other new country funds in africa.

and be able to discuss significant changes to the business. Where significant vari-ations are discovered, remedial plans are put in place to bring things back on course. EFC has the possibility of access - ing the Enablis network programs to do so. EFC is licensed in south africa by the Financial services board (Fsb) to provide the financing requirements to the Enablis Entrepreneurial network. [[COMMuniTY-basED]] EFC is committed to filling the critical financing gap for entrepreneurs who are unable to find risk capital between the micro-credit and venture capital thresholds. by applying a similar approach to community-based microfinance institutions and linking locally and globally with Enablis’ varied partner-ships, EFC is able to better understand the unique requirements of entrepreneurs in developing countries and to successfully provide them with creative financing


28 Expansion in Kenya

[[DigniTaRiEs]] in June, we opened a third East africa chapter in Kisumu, Kenya. On hand for the launch of Enablis House Kisumu were dignitaries who included Charles sirois, global Founder and Chairperson, James gachui, Enablis East africa Chairperson, as well as Joseph irungu, Deputy provincial Commissioner, nyanza, and philip shitohi, nyanza provincial Director of Youth affairs.

[[CEREMOnY]] 28 new members from Kisumu were accredited at the ceremony. The new Enablis House is situated at Mega City Mall shop. [[MOTiVaTiOn]] as commented by Mr. shitohi, “the presence of Enablis will further drive and motivate Kenyan youth to investigate entrepreneurial quests they may not have had the support for up until now.”


32 33

by making our services and systems available to French-speaking entrepreneurs.

[[pROMising]] later in 2008, another accenture Development partnerships team performed a feasibility study for English West africa, sponsored by the accenture Foundation. The study included ghana and nigeria, and both countries look promising to deploy Enablis services to entrepreneurs.

[[paRTnERsHip]] Enablis hired a country repre-sentative in ghana, and established Enablis Entrepreneurial network ghana. a first partnership was entered into with the association of ghana industries (agi), the oldest and largest professional organisation in ghana, which we expect to precede many others in this exciting market. all conditions look in place to launch a new Enablis House in accra this year. building on this first experience in English West africa, Enablis can look forward to take on nigeria!

[[ExpansiOn]] West africa was the main focal point for Enablis’ expansion activities in fiscal year 2009, made possible by a grant from partner Microsoft. [[pOTEnTial]] a first feasibility study sponsored by Telesystem was per formed by accenture Development partnerships for French West africa in the first part of 2008, which included field visits to senegal and Côte d’ivoire. both countries showed a lot of entrepreneurial potential and a definite need for Enablis.

[[iMplEMEnTaTiOn]] Enablis appointed a country representative in senegal, and partnered with the agence de Développement et d’Encadrement des pME (aDEpME), the governmental agency in charge of developing and supporting sMEs in senegal.

[[MulTilingual]] Our move to a multilingual organisation is an important milestone for Enablis. it started last year with the translation to French of our website and marketing materials, and will continue

West africa Expansion

West africa Expansion


36 37

“high expectation” business activities where entrepreneurs can aspire to run sustainable businesses and create jobs.

[[uniQuE]] in many latin american countries, however, entre preneurs are faced with a skill and financing gap, which makes it difficult for small businesses to flourish. This is where Enablis can play a critical role and break down barriers with its unique formula of capacity building and access to finance. [[ObJECTiVEs]] Together with the support of its founding partners, accenture and Telesystem, Enablis will embark on its first latin american feasibility study in 2009. Following the same expansion methodol-ogy used in africa, accenture Development partnerships is providing a team of consul-tants to develop assessments of promising countries in the region, with the objective of establishing operations in several key latin american markets, staged over time. This will seek to lay the foundation for Enablis’ successful rollout in the region over the coming years.

[[iMpaCT]] Enablis has already expanded into five countries in africa and keeps expand ing its footprint. it has proven that its model of fostering local socio-economic development through entrepre neurship can have a mean ingful impact, particularly in job creation, and can be successfully replicated. [[susTainablE]] Enablis entrepreneurs (most of whom are from disadvantaged backgrounds, and a significant proportion of whom are women) have been given tailored, practical advice and mentoring, as well as easier access to financing. This has assisted them in becoming more sustainable and, in turn, enabling them to build successful businesses. With its global vision, Enablis is now prepared and ready to expand to another continent.

[[DEVElOpMEnT]] Various studies, including the most recent global Entrepreneurship Monitor (gEM) report, point to the need for the same Enablis-type developmental model in latin america. The aim will be to assist in stimulating participation in

Expansion to the americas

Expansion to the americas



Client : ENABLIS Nº dossier : 29-7521GDescription : RAPPORT ANNUEL 2008Publication : Livret IN Date parution : —Infographiste : NATALY/DANIELNom du fichier :7521_ENABLIS_IN_7.indd



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Enablis sponsors an annual survey of its membership. This survey is done by an independent research organisation in order to ensure that the results are a fair and honest reflection of its impact. The survey provides the organisation with critical feedback concerning the value of its programs, the development of its membership and how it can better address the topical interests of its members. Donors can also be assured that the monies contributed to the organisation are used well and in the best interests of human capacity development in challenged economies.

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[[impacT]] The survey also looks at the impact the organisation has on the disadvantaged sectors of the human economy. This spe cifically includes the impact it has on the previously disadvantaged, or previously disenfranchised, members of the host country. One of the most important measures of Enablis’ efforts is its effect on women. in this regard, we consider the influence of the Enablis model on its membership overall, and on gender in particular. We believe this provides a compelling rationale for the expansion of the Enablis model into other key markets, such as West africa or latin america. [[gEnDEr]] in the two countries surveyed last year (south africa and Kenya), researchers considered the following key measures as especially noteworthy:

11 member survey results

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12 member survey results 13 member

survey results

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82% 82% 82%82% 82%

82% 82%82%82%82%

81%81%81%81%

71%

82% felt that Enablis had enhanced their capacity in applying new business skills

82% felt that Enablis had enhanced their capacity in applying new business skills

81% felt that Enablis had helped them grow as business people

71% still felt that Enablis was in some way helping them to grow their businesses

71% still felt that Enablis was in some way helping them to grow their businesses

71% 71% 71% 71%

81%

81% felt that Enablis had helped them grow as business people


survey results

south africa

south africa

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an increase in profits was experienced by 46% of the respondents in the past year. [[imprOVED]] 41% of the respondents have improved their products, with another 30% having introduced new ones and 19% extending their product range. an increase in the number of customers was experienced by 57% of the respondents, which may be a reflection of the increased value of networking opportunities. 43% of the respondents had created a new business in the past year. [[sKills]] most importantly, 71% still felt that Enablis was in some way helping them to grow their businesses, with another 61% believing that Enablis had improved their business skills. 81% felt that Enablis had helped them grow as business people and 82% felt that Enablis had enhanced their capacity in applying new business skills. 77% rated their overall satisfaction with Enablis as good, very good or excellent.

[[rEsUlTs]] in south africa, this was the fifth such study, while in Kenya, this was the first since launching the chapter just over a year ago. 352 entrepreneurs took part in the south african study while in Kenya, there were 82 respondents. The two latest studies took place in march 2009. [[FUllTimE]]

in south africa, the number of new, fulltime positions created by the surveyed members was 634, and the number of new, parttime jobs created was 1,304. in total, the members surveyed created 1,938 jobs in the past year, which is, on average, 5.5 jobs per member. [[prOFiTs]] according to Enablis’ Jobs and socioeconomic impact study done in 2008 (south africa), an increase in company turnover was experienced by 55% of the respondents, with 36% having had an increase in the last three months (which is significant given that, normally, this is a difficult trading period for business, e.g. January to march).


survey resultsannual surveys, East africa and south africa

annual surveys, East africa and south africa

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5.5jobs per member


survey results

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Actual numberof jobs created

Estimated numberof jobs created

Number of indirect jobs created(a factor of 5)

Socio-economic improvement(average SA household: 4.1 2001 x total number of jobs created)

4,349

11,506

59,530

283,047





4,349

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59,530

283,047





4,349

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4,349

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4,349

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Enablis’ Jobs and socioeconomic impact study 2008 (south africa)

member survey results21 member

survey results20 south africa

south africa

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Number of indirect job creation(a factor of 10 as industry standard)

Socio-economic improvement(average Kenya household: 8 x total number of jobs created:98/99 Kenya Labor Force Survey)

680

1,776

17,760

156,288





680

1,776

17,760

156,288





680

1,776

17,760

156,288





680

1,776

17,760

156,288





680

1,776

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156,288





680

1,776

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680

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680

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156,288





680

1,776

17,760

156,288





680

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17,760

156,288





680

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156,288





680

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680

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680

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156,288





680

1,776

17,760

156,288





680

1,776

17,760

156,288





680

1,776

17,760

156,288Enablis’ Jobs and socioeconomic impact study 2008 (East africa)


survey resultsEast africa

East africa

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satisfaction with Enablis programs(East africa)

satisfaction with Enablis programs(south africa)

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improvement in member business performance (south africa)

improvement in member business performance (East africa)

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East africa

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of the respondents experienced an increase in their turnover

reported an increase in their profits

introduced new products or services

[[JObs]] East africa (Kenya) members surveyed created 109 fulltime jobs and 571 parttime jobs in the last year (a total of 680 jobs for the year). [[incrEasED]] according to Enablis’ Jobs and socioeconomic impact study done in 2008 (East africa), 54% of the respondents experienced an increase in their turnover during the past year and 56% reported an increase in their profits. in addition, 21% indicated that they had improved their products or services, while 27% introduced new products or services. 56% indicated an increase in the number of customers over the last year. [[bUsinEss pErsOns]]

an impressive 82% of our members felt that Enablis had helped them grow their businesses, and 85% felt that Enablis had helped them grow as a business person. an even more impressive 97% of the members felt that Enablis had in some way improved their business skills. [[gOOD ValUE]] Overall, 85% of the members surveyed regard their membership as good value for money.



East africa

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82% of our members felt that Enablis had helped them grow their businesses

82% of our members felt that Enablis had helped them grow their businesses

82% 82% 82%82% 82%

82% 82%82%82%82%

97%

85% 85%85%85%

97%97%97%97%

85%

97% of the members felt that Enablis had in some way improved their business skills

97% of the members felt that Enablis had in some way improved their business skills

85% felt that Enablis had helped them grow as a business person

85% felt that Enablis had helped them grow as a business person



East africa

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Client : ENABLIS Nº dossier : 29-7521GDescription : RAPPORT ANNUEL 2008Publication : Livret ALL Date parution : —Infographiste : NATALY/DANIELNom du fichier :7521_ENABLIS_ALL_7.indd



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in the following pages you will read the stories of four of our members. They are success stories, stories we hope will inspire more young entrepreneurs to set up their own businesses. and they are rewarding stories, stories we’re proud to share as they confirm that a little encouragement and advice go a long way towards empowerment. These four entrepreneurs brought courage, determination and initiative to the table and now they are reaping the fruits of their labour. it’s a very exciting process to watch.

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lakeside Two is situated in the Kamasi area, while lakeside Three is located along Oginga Odinga street, about 200 metres from lakeside One. [[mOTivaTiOn]] Karyna is among the new members who were accred ited in June 2009. she has been able to meet, host and interact with people within the Enablis pool including Charles sirois and Enablis East africa board members James Gachui and louis Otieno. she has expressed the sentiment that interacting with these person alities has been motivating and a real eye opener on where she sees her business growing. [[KnOwlEDGE]] Enablis is currently working with her on her assessment and roadmap, noting her areas of weaknesses and strength. she has since been able to increase her financial knowledge while enhancing staff motivation based on her interactions with Enablis. Karyna plans to work on her business plan as she prepares to put forward her application for funding.

[[OwnER]] ms. Karyna Okwaro, owner and General manager of lakeside meeting Point Fast Food restaurants in Kisumu, is glad that her idea of setting up a fast food chicken chain is bearing fruit. with close to KEs 10 million invested in the venture, Karyna has succeeded with a new style of restaurants in the lakeside town. [[sUCCEss]]

“at first my parents were hesitant about the idea, but after a while they accepted to try it,” says Karyna, who has a degree in hotel management from the UK, and worked at mcDonald’s while a student. she says her family took loans, and in november last year the first outlet opened, lakeside One, at sansora building, Oginga Odinga Road. “it records about 500 customers daily. it is the largest of the three,” says Karyna, a first born in a family of three. impressed by the success of the first facility, they opened lakeside Two, two months later. next came the lakeside Three, in February of this year.

12 member story 13 member

storyKaryna Okwaro

Karyna Okwaro

KenyaKenya

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MULWELI REBELO

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smart Townships project. The project is a private initiative that provides services to subeconomic communities. This will allow unlimited tollfree local calls for ZaR 39 (Us$4) per month, and calls for 10c (Us$0.01) per minute nationally from a Uninet mobile phone. The mobile handset also allows internet browsing and access to free content such as educational sites, egovernment sites and selected commer cial sites. [[EmPlOYmEnT]] The partners joined Enablis in 2005 after hearing about it through the bandwidth barn and CiTi. They later applied for funding to boost their growth. since that time, they have created employ ment opportunities for 30 people.

[[POTEnTial]] in 1999, mulweli Rebelo and his partner David Jarvis identified a gap in the market due to Telkom’s high pricing and poor service levels. after gaining con siderable experience in the establishment of two wireless internet service Providers (wisP) in mozambique in late 2002, the two partners decided to establish a wireless internet company in Cape Town. The decision was based on the city’s tremendous untapped potential for wireless connectivity services and the expectation that the unclear legislative/regulatory environment that operated in favour of the fixedline operator would be resolved. [[iniTiaTivE]] One of Uninet’s current projects is the Unifi

16 17 member story

mozambique mozambique member story

mulweli Rebelo

mulweli Rebelo

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CYNTHIA MKHOMBO

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covering virtually everything, including contract cleaning, sanitation, hygiene, supply and maintenance, pest control, carpet cleaning, reoccupation cleaning, supply of cleaning chemicals, equipment, and consumables. [[CliEnTs]] mHs’ clients include: Un offices, the Father smangaliso Place of safety, the Department of Education, and the sa war College. [[EXPERiEnCE]]

Cynthia attended one of the networking events, which gave her the opportunity to network with potential clients. she also attended an Enablis Circle training session that gave her a platform to communicate and share views and experiences with other likeminded member entrepreneurs.

[[QUaliFiED]] masana Hygiene services (mHs) is a cleaning and hygiene services compa ny established in 2004 by Cynthia Tshililo mkhombo, a qualified health inspector and safety practitioner. Cynthia was one of the top 300 business launchPad 2008/2009 entrants who was offered free Enablis membership. [[PassiOn]] mHs has a staff complement of over 430 employees. They target previously disadvantaged women. Cynthia’s passion is to create employment for these women while also providing opportunities for them to study further and pursue careers they are really passionate about.

[[sPECialisED]] The company provides a highly specialised range of cleaning solutions


storysouth africa

south africa

Cynthia Tshililo mkhombo

Cynthia Tshililo mkhombo

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of one of the ice cream companies for which they were agents collapsed (it was importing raw materials from China) and this affected their business to a great extent. However, through quick thinking and good advice, they were able to diversify and start a new project, the namainGO Complex.

[[sTRaTEGY]] since joining Enablis in march 2009, they have greatly benefited from business advice, networking with members and advantage workshops (especially business strategy and financial management). This has enabled them to review their business in terms of processes, products, services provided and longterm goals.

[[sTaRTUP]] it started as a small shop with a capital of TZs 50,000 (Us$38), selling homemade juice and ice cream. as business began to grow, biubwa ibrahim joined forces with Tausi Kaijage to run a larger business. They became agents of two major ice cream companies and were supplying ice cream wholesale to more than 50 retail outlets in Dar es salaam. One year ago, they diversified their business and decided to construct a shopping centre with a hotel, bar, restaurant and shops to let. [[bREaKTHROUGH]] biubwa and Tausi’s major breakthrough actually came after a massive set back. Following the Chinese milk scare in 2008, the business


storyTanzania Tanzania biubwa ibrahim

and Tausi Kaijagebiubwa ibrahim and Tausi Kaijage

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2009 2008

09 05743 382

35% 28% 14,681 7,074

70 55 30% 33%ZaR ZaR

79.5 m 59.5 m 5,029 1,750

3.9% 2.3%

The africa scorecard

*applicable to South africa only March

number of chapters

number of members

% who are female

number of support hours provided throughout the year

number of members with approved funding*

% of funds allocated to female members*

Total value of financings approved*

number of jobs created by member entrepreneurs

loan default rate*

26 27 The africascorecard

The africascorecard

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chapters of the Young Presidents’ Organization and support from the partnering companies, and gives entrepreneurs more practical firsthand knowledge of the dynamics of such sophisticated business environments. [[innOvaTivE]] One of these innovative programs is under the banner of Pick ’n Pay’s small business initiative, or “shelflife”, which aims to build the capacity of small businesses to supply products and services to Pick ’n Pay’s regional network of stores. This support includes a series of workshops and networking sessions where entrepreneurs can learn how to deal with “big business” issues, as well as how to ensure that they are audit compliant.

[[DEDiCaTED]] last year, Enablis expanded the reach of its programs by offering more dedicated capacity building activities relating to the Enterprise Development Programs of its partners, Pick ’n Pay and Revlon, in south africa. These programs seek to provide entrepreneurs with better insight into the FmCG retail environment and to enable them to become suppliers to such prestigious retail groups. [[mEnTORsHiP]]

Enablis’ programs are therefore aligned to enhance the participating members’ business skills and marketing and sales strategies to enable them to build the capacity to deliver at this level. This goes side by side with closer mentorship provided in collaboration with the local

28 29 Expansion of services to members

Expansion of services to members

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Chronological sponsorship support

accenture / Telesystem ltd

Canada Fund for africa

Hewlett Packard / Khula Enterprise Finance / First national bank / KPmG / identica

Quebecor world inc

microsoft

mpumalanga Economic Growth agency

Canadian international Development agency / Youth Enterprise Development Fund (Kenya) / Young Presidents’ Organisation Johannesburg & Golden City chapters / Revlon / business Times / small Enterprise Development agency

agency for Development and Training of smEsTranscontinental lithoacme

safaricom Foundation / Pick ’n Pay / Kenya ministry of Youth affairs and sports / Trafford Trading / business Daily / venture Capital Trust Fund / association of Ghana industries / agence de Développement et d’Encadrement des Petites et moyennes Entreprises / Youth Enterprise Development Fund / Postbank / insead alumni association of south africa / Department of Economic Development, Environment and Tourism (south africa) / Gauteng Enterprise Propeller / Free state Development Corporation / limpopo Economic Development Enterprise / Eastern Cape Development Corporation

200920082005 2006 20072004

30 31 includes business launchPad 2009 Partners and sponsors



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of Youth affairs and sports, business Daily, Hewlett Packard, microsoft, Post bank, safaricom Foundation, Trafford Trading Company and the Youth Enterprise Development Fund. [[EXPERTs]] The gala awards ceremony took place on June 26, 2009, after a rigourous judging process that had taken place the previous day. The panel of experts who judged the competition were drawn from universities and other training institutions, and also included local and international entrepreneurs. [[asPiRinG]] The winners were chosen out of 887 entries that were received from aspiring and established Kenyan entrepreneurs. The gender split of the winners was 72% male and 28% female.

[[insPiRaTiOn]] Enablis East africa, in partnership with the ministry of Youth affairs and sports, ran the national business plan competition in Kenya, dubbed Chorabizna Enablis launchPad. This was the country’s second national business plan competition, which was designed to stimulate and celebrate entrepreneurship, provide inspiration, and support young individual entrepreneurs in setting up businesses across Kenya.

[[sUsTainablE]] The competition aimed to turn great ideas into thriving sustainable businesses. it targeted 11 million youth across the country. it was made possible by the support of the following partners and sponsors: Enablis East africa, the ministry

32 33 Chorabizna Enablis launchPad

Expansion in business launchPad Competition

Chorabizna Enablis launchPad


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The competition winners per sector were:

business and Professional services: njinju James ng’a ng’a

agribusiness and agriprocessing: Kwamboka Hilda Gisemba iCT ndu’ngu Grishon ng’ang’a

manufacturing and Construction: Odongo lemy shem

Tourism and Ecotourism: mwakio Edward mvoi

sport, leisure and Recreation: nkari martin Kagendo

Fine arts and Performing arts: Kinori Teresia njoki

media, marketing and Communication: Ouma Kevin Omondi

Transport and logistics: njuguna njoroge

Green / Ecological business: Kalama Charles wamukoya

Youth Employment Creation: Kimanga isabel wambui

breaking new Ground: Koech Chepngetich mercy

Overall best business Plan: Jura Ernest Odege

28% female winners

72% male winners

Chosen out of 887

34 Chorabizna Enablis launchPad


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for places with difficult access, a training academy for emergency workers, a motorcycle dealership for residents of soweto, a containerbased digital gaming outlet, and an electronic database management, marketing and communication services tool for the south african wine industry, among other ideas. [[GREEn]] The winners of a new category, Green businesses, included a green cab (taxi) service, and the pro duction of organic compost from the water invasive wattle plant. [[sPOnsORsHiP]]

The 2008 Fnb Enablis business launchPad Competition was made possible by the generous sponsor ship provided by: Fnb, sEDa, microsoft, Khula Enterprise Finance, Postnet, KPmG, business Place, Revlon, Free state Development Corporation, Gauteng Enterprise Propeller, business Times and spier Earth Capital — all of whom are focused on building the small business sector.

[[bUsinEss Plans]] The 2008 Fnb Enablis business launchPad Competition saw a record 6,000 registrations. From this, more than 1,800 business plans were considered suitable for judging in ten categories ranging from iCT to manufacturing to tourism.

[[PRiZEs]] Twenty winners received a package of con sumer electronic prizes and became part of the Enablis network of entrepreneurs, with access to networking oppor tunities, training, online resources, mentorship and funding. [[winnERs]] Two winners, one for a startup business and one for an expansion business, were chosen in each of the following categories: agriculture, business and Professional services, Construction, Green business, information and Communication Tech nology, manufacturing, media and marketing, Personal services, Tourism, and Transport and logistics. [[DivERsiFiCaTiOn]]

The winners’ business plans included ideas such as a new concrete pump designed

36 37 Expansion in business launchPad Competition

2008 Fnb Enablis business launchPad Competition


2008 Fnb Enablis business launchPad Competition

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Client : ENABLIS Nº dossier : 29-7521GDescription : RAPPORT ANNUEL 2008Publication : Livret DIMENSION Date parution : —Infographiste : NATALY/DANIELNom du fichier :7521_ENABLIS_DIMENSION_7.indd



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it’s time, once again, to recognise and cel ebrate the incredible people behind this year’s many accomplishments. You will find them all listed on the following pages, but that hardly suffices to show our appreciation for the efforts, the creativity and, most of all, the heart they all put into sustaining and expanding our presence in africa. To those who are moving on, we say happy trails. To those who are staying, we say may the coming year bring new growth. and finally, to our wonderful team of volunteers, we say your generosity touches us all.


Our Team

Our Team10 11

africa Operations TeamPaul lamontagne / Chief Executive OfficerEbenise bester / Chief Financial Officer Miana naude / Chief Operating Officer Jaco Kuhn / Financial Managernadine sheffield / Financial administratorEmelia lemmetjies / Financial administratorGrant Glanvill / Head of Technologyavesh Mahabeer / iT Manager

Gavin seymour / Communications Managerannie Oliver / Executive assistantshaheema Ryklief / HR ManagerCharlotte Marais / legal and Corporate affairs ManagerRose Vervenne / Head of Development Valerie Flanagan / Head of Partnershipssally Moodley / Head of EnablisCentre of ExcellenceDon Reddy / assistant, Enablis Centre of Excellence

Global TeamCharles sirois / Global Founder, Chairperson, President and Chief Executive OfficerMichel Cordeau /Corporate secretaryDaniel Cyr / Chief Financial Officer

Paul lamontagne / President, Enablis Financial CorporationFrancine lefebvre / Communications Directorliz Padmore / UK Director, Multilateral RelationsGina Piccolo / Financial Controller


Our Team

Our Team13 12

Victor Mzimela / bankernishol Partab / Chapter administrator, DurbanKaren McKee / Project Manager, business launchpadntshembo ngobeni / assistant Member support, Gauteng

West africa Member support Teamshika acolatse / Country Director, GhanaMatilda serwodo / Office Coordinator, GhanaMarc-andré ledoux / Country Representative senegal

south africa Member support TeamDenvor Phokaners / Country Manager Designatebrenda Twala / Chapter Coordinator, Gautengbusisiwe Mahuza / Office assistant, Cape TownFaghmieda King / Chapter Coordinator, Cape Town

Khanita Thomas / Office assistant, Gautengsibongile Mltoshwa / Office assistant, GautengMoeketsi Motsepe / bankernoelle ngobeni / Project Manager: Member Events, GautengRodney Douglas / Chapter Manager, Cape Town


Our Team14

East africa Member support TeamMoses Mwaura / Regional DirectorEdna Chepngeno / Office Coordinatorlillian Marenya / Entrepreneur Development associateJoan Wekesa / network Coordinatorbetty Kariuki / Entrepreneur Development associate

Terrence adembesa / Chapter Manager, Kisumu Dorothy Mutisya / Office assistant, nairobiPalmer Thambu / bankerTabu Kiteti / Chapter Coordinator, Tanzanialinda lifiga / Chapter Manager, Tanzania


17 16 Our board Members

Our board Members

south africabheki sibiya / (Chair) non-Executive Chairperson, braitlynette Chen* / (Vice Chair), Chief Executive Officer, nEPaD business Foundation Connie nkosi / Executive Chairperson, lidonga Group HoldingsMartin Feinstein / Chief Executive Officer, Traction Enterprise Development ConsultantsWilliam blair / Chief Executive Officer, Dumela Diamond Fire

Paul lamontagne / Chief Executive Officer, Enablis africaDonovan Muller* / Director, accenture south africaHugh Myres* / business Unit Executive, Unified Communications, Gijimaast Holdings (Pty) ltd.David Milligan / Head of strategy, Fnb Commercial Xola sithole* / Chief Executive Officer, Oteo Capital*Denotes chair of a board sub-committee

GlobalCharles sirois / (Chair), Chairperson, President and Chief Executive Officer, Telesystem ltd.bill Morris / Managing Director, accenture CanadaJames Gachui / Chairperson, Transcentury ltd, Jimana ltd.


20 21

investment Committees

Enablis Khula loan Fund (south africa)Richard Parker / (Chairperson), Managing Director, Pleiad CapitalMarc balkin /Managing Partner, Hasso Plattner Ventures africa

bheki sibiya /non-Executive Chairperson, braitbettina Mokete /account Executive: Corporate Channel, Khula Enterprise FinanceHeather lowe /Commercial banking, First national bank

East africaJames Gachui /(Chair), Chairperson, Transcentury, JimanaCarol Musyoka* /Director, bungani limitedPaul lamontagne / Chief Executive Officer, Enablis africalouis Otieno / General Manager, Microsoft East and Central africaMaheboob alibhai* /Chairperson, Phoenix assurance

Miana naude / Chief Operating Officer, Enablis africaMoses Mwaura /Regional Director, Enablis East africaRina Karina-Hicks /Financial analyst, Faida securitiesRozette Phillips /senior Executive: Products Operating Group south africa, accentureRosemary Mutunkei / Director, Works of Faith ltd. and Member, seri Yetu ltd. *Denotes chair of a board sub-committee

Our board Members

Our board Members


22 23 Our board Members

Our board Members

Enablis Khula loan Fund Trustees (south africa)Martin Feinstein / Chief Executive Officer, Traction Enterprise Development ConsultantsPaul lamontagne / Chief Executive Officer, Enablis africaXola sithole / Chief Executive Officer, Oteo CapitalHeather lowe /Commercial banking, First national bank

Khula Enablis sME acceleration Fund Trustees (south africa)Xola sithole / Chief Executive Officer, Oteo CapitalPaul lamontagne /Chief Executive Officer, Enablis africaMarc balkin /Managing Partner, Hasso Plattner Ventures africa

Khula Enablis sME acceleration Fund (south africa)Richard Parker /(Chairperson), Managing Director, Pleiad CapitalMkhululi Maxibuko /Channel Manager, Khula Enterprise FinanceDenvor Phokaner /Country Manager Designate, Enablis south africaMarc balkin /Managing Partner, Hasso Plattner Ventures africa

Enablis loan Fund (East africa)James Gachui /(interim Chairperson), Transcentury Jimana Paul lamontagne /Chief Executive Officer, Enablis africa Moses Mwaura /Regional Director, Enablis East africa Henry Mwenda Rithaa / Youth Enterprise Development Fund anju Paunrana / independent


Members


26 27 Enablis House

Enablis House

East africaEnablis House nairobi1st Floor Cedar suiteRiverside Greennairobi, KenyaEnablis House Dar es salaamMayfair PlazaCentre Court shop CC103Mikocheni Dar es salaam TanzaniaEnablis House Kisumu shop no. 87 (Ground Floor) Kisumu Mega City nairobi Road Kisumu, Kenya

West africaEnablis House accraOrphan Crescent north labone Estates accra, Ghana

Global Head Office1250 Rene-levesque boulevard Westsuite 3800Montreal, Quebec Canada H3b 4W8

africa Region Head Office 7 Mellis Road 2nd Floornorth Tower bradenham HallRivonia 2191Johannesburgsouth africa

south africaEnablis House Cape Town302 Manhattan Place130 bree streetCape Town 8001south africaEnablis House Johannesburg7 Mellis Road 2nd Floornorth Tower bradenham HallRivonia 2192south africaEnablis House Durban116 Florida Road suite 4Morningside Durban 4001 south africa


East african Partners

Founding Partners

Global Partners

african Partners

Founding Partners

West african Partners

AGIAssociation of G h a n a Industires

south african Partners


Founding Partners

Global Partners

african Partners

Founding Partners





Founding Partners

Global Partners

african Partners

Founding Partners




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expansion in all directions - enablis annual report 2009

Documents

enablis network

dear enablis stakeholders20

mission enablis

enablis n dossier

west africa expansion34

efc review of activities28

livret expansion date

financial highlights22