SIYINI SIKHWAMA   SE- APEX ?
I-South African Micro-finance Apex Fund yinkampani lesungulwe nguhulumende lelwa nebuphuya nekungacashwa ngekuniketa loku:
* Kukhona kusitwa ngetimali
* Kucinisa emandla etikhungo nemakhasimende.
* Konga kwtimali etinhlanganweni letincane nakultinye takhiwo temdzabu  njengabomasingcwabisane netitokifela.  
UMBONONCHANTI
* Kufaka ligalelo ekutfutfukiseni temnotfo nekulwa nebuphuya eNingizimu Afrika ngekuba yinkampani lenemndlandla ekubuketeni tinsita tetimali  letincane.
* Kwakha teluhwebo lwetinsita tetimali letincane lolunemfutfo eNingizimu Afrika.
UMGOMO
Kuniketa tinsita letisezingeni lelisetulu naletifanele tikhungo letisebenta ngetetimali letincane nge:
1.Kucinisa emandla etikhungo etinhlangano letibambisene nayo nemakhasimende ato kute kubuketwe kubamba lichaza kwato emisebentini.
2. Konga imali nekubolekisa ngemali  kumabhizinisi lamancane nema-Retail Finance Institutions (RFIs) njengemitamo yekukhulisa ematfuba  alabaphuyile  ekufinyelela kutinsita tetimali nekwentiwa kancono imitfombo yabo yetimali kute baphile kancono

INDLELA LESITAWUSEBENTA NGAYO
Sikhwama se-Apex  sitawusebenta netinhlangano lesibambisene nato kute sente umsebenti waso wekufinyelela emgomeni wekutsintsa ngeligalelo lelinemfutfo bonkhe lesifanele kutsi sibasite .
Macondzana nekongiwa kwetimali, kute indlela letsite lemisiwe nobe-ke lenconotwako kutsi isetjentiswe, esikhundleni saloko kukhutsatwa tindlela letinsha letimiselwe kutipiliyoni.
TINSITA TETIMALI LETINIKETWAKO
1. I-Micro Credit Loan Fund: Loluhlelo  lubolekisa ngetimali kufikela ku-R10 000 kubantfu nakubosomabhizinisi labancane labaphila ngalamabhizinisi abo lamancane. Lesikhwama sinemikhicito lemibili:
* Kubolekisa ngetimali letincane kubantfu nemabhizinisi, tekutfutfukisa emabhizinisi lamancane. 
* Sikhwama sekulwa nebuphuya semakhasimende lahola imali lengaphasi kwa-R1500. Lenhlangano lebambisene nalesikhwama itawuhlola lenchubo ngekungekusebentisa emathulusi lacondze buphuya.
2. Kucinisa emandla esikhungo: ngaphasi kwaloluhlelo timali tikhishelwa kucinisa sikhungo nekucinisekisa kuchubeka kwekusebenta kwaso sikhatsi lesidze.
3. Kukhutsata  konga: Loku kuyaphakamisa kukhutsate kwakhiwa kwetinhlangano tetimali naletinye tindlela temdzabu letasungulwa tekonga imali letifanana netitokifela nabomasingcwabisane kubekhona umcebo wendzawo futsi lotjaliwe.
KUKHETFWA KWETINHLANGANO LETITAWUSEBENTISANA NE-APEX
'I-Apex isebenta ibambisane netinhlangano letehlukene , ngako-ke kukhetfwa kwato ngalokufanele kubalulekile futsi kuchubeka njalo. Kulenchubo-ke, i-Apex  iphakamisa emazinga etinhlobo letehlukene  tetinhlangano letibhalisiwe leTitimele,titfunywa tetemisebenti tendzawo, titfunywa tetemisebenti letisebenta ngekutinikela, netigungu tisebentisa tindlela tekukhetsa letinconyiwe kute kulunge tintfo'
Uma i-Apex iphakamisa lizinga lenhlangano isebentisa imikhombandlela lecacile lengahlukahlukaniswa ngekuya kwaletinhlangotsi letilandzelako: kuhlela, umhleli, kuphatsa, kuhola, imitfombolwati lebantfu, indzawo yekusebentela, imisebenti leyentiwako, kusebenta lokwendlulile, tindlela tekuphatsa lwati, tindlela tekubuketa kusebenta kwetimali.


Kute utfole imininingwane lebanti shayela i-Apex kulenombolo:
Tel:	 012-394 1796/012-394 1805
Fax:	012-394 2796/012-394 2799
Address:
1st floor, Block B (Entirweni)
Mapungubwe ? the dti Group Campus
77 Meintjies Street
Sunnyside
0002  


