Enterprise Development
and Livelihoods Survey
Results
26 October 2023
N. Dlamini
Contents
1. Survey sample
2. Keysurveyfocus
3. Business incomes
4. Typesofbusinesses
5. Use of VSLA drawings and business incomes
6. Sources of incomes
7. Discussion
Key focus of the survey
1. Usefulness and contribution of VSLAs to business
enterprise development
2. Average capitalinjectioninto farmingbusiness
enterprises and related enterprises
3. Average businessincomes
Keyfindings
About 93,1% participants in the MDF programme areengaged in
some form of income generation/enterprise development in the
followingareas:
§Cropping and grains (mainly maize)
§Broilers and egg layers
§Retailing/vending/tradingofnon-farmingproducts,e.g.tuck
shops, clothing
§Manufacturing, e.g. grass mats,baking, garment making, beads
§Services, e.g. micro lending, hairdressing, learner transport
§VSLAs: 51 (78%)
§Non-VSLA: 14 (22%)
§KZN: 56 (86%)
§Nokweja: 9
§Centocow: 4
§Appelsbosch: 14
§Emmaus: 29
§Limpopo: 9 (14%)
§WomeninVSLAs:98%
§Men in VSLAs: 2%
65
58
7
TotalRespondents
Peoplesurveyed: 65Women: 58Men:7
71%
15% 14%
0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
Averagequaterly farming
businessincome: R8 561
Averagequaterly non-farming
retailing business income:R1750
Averagequaterly non-farming
manufacturing and services
businessincome: R1 706
AverageQuarterlyBusinessIncomes
1.2%
24.1%
34.5%
48.3%
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
Averagemonthly
contributionto
microfinanceproducts:
R348
Annualtraditional
ceremonies: R6 922
Annualhouse
construction: R9 889
Annualfarming
enterprise capital
investments: R13 844
AverageUseofVSLA&BusinessIncomes
41.9%
22.7%
35.4%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
40.0%
45.0%
Average annualbusiness
income: R12 017
Average annualdrawings
from VSLAs (loans and share-
outs): R6 500
Average annualnon-business
incomes: R10 162
Sources of Income
Non-business income
sources:
§State pension grant
§State child support
grant
§State disability
grant
§State relief grant
§Piece jobs
§Part-time
employment
§Remittances
What datasuggests
§All sources of incomes are recycled
§Respondentsbalanceconsumptionsmoothingand
business enterprises
§Big ticket expenses are annual
§Nurturing relationships / support of bereaved families,
free labour during ceremonies
§Building resilient and better families / house
construction, buying of furniture and appliances,
saving for education, etc.
§Funeral insurance is a must
NextSteps
§Continue with data analysis
§Confirm future interventions from data
§Writeanarrativereport
Discussion