I hope you all had a wonderful break during festive season. Holidays are behind us as we nearing a crucial time in our calendar, 4th quarter. It is important that we focus on chasing targets as we set out beginning of the year.

End of the 3rd quarter things were not looking as rosy as we want in terms of the numbers , I am confident we are all driven by this need to ensuring that we cover the lost grounds,

Up to the end of November 2019, we were lagging behind as we only had achieved 74% of approvals and 84% of disbursement targets, though we still had extra week to close the quarter. This picture is concerning considering our that preceding quarters were not any better.

However, I remain positive that we will be able to recover and make lost grounds on performance come end of March 2020. I urge each and everyone in the next 2 last months to ensure that we pursue and write deals aggressively in the remaining time we have.

Colleagues, meeting our quarterly and annual targets cannot be overemphasised and the Board has impressed upon this area as pivotal for sefa. We are also continuously failing short on meeting developmental impact targets in respect of targeted groups such as Youth, women and entrepreneurs with disabilities. Let’s improve on this and I wish you progress and success