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Lotty Nkosi has three kids, and she is from Swaziland. She was afraid to take her first loan with Phakamani, then she decided to start with a loan of R800. She makes curtains and doilies ,she also buys and resells clothes.

Lotty took several loans from Phakamani over a five-year period and was able to establish her business. She made R2000 of profit from her first month. Her options were to decide if she should save, pay off, or reinvest her money. Thanks to the initial support received from Phakamani her business no longer requires loan capital. Lotty says that her biggest challenge is when people buy on credit and don’t pay.

Because of her experience she has referred many friends and family to Phakamani. Those that joined Phakamani are now running their own businesses and can take better care of their families.

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