Welcome to the website of the Kuyasa Fund. We are a non-profit social development organization that uses microfinance as a tool for improving the housing conditions of South Africa’s poor communities. Our website tells you about our activities and impact and provides information on how you can contribute to our work.

We support community groups to save towards housing and grant loans to individuals qualifying for the state housing subsidy. We believe that the poorest of the poor are credit-worthy, and that through mobilising savings they are able to build financial and social capital.

In order to meet our vision, Kuyasa provides microfinance services to those with secure occupational rights who are excluded from formal finance, in the belief that improving the quality of housing adds essential social value and because no other appropriate sources of housing finance are available to low-income households.

Our clients, who earn under R3500 a month or are informally employed, are eligible for loans of up to R10 000 for use in improving their housing situation.

Kuyasa is a non profit company, registered under section 21 of the Company’s Act of 1973. Kuyasa is also registered as a Public Benefit Organization. Kuyasa further enjoys an income tax exemption status under Section 10 of the Tax Legislation. The Company is registered with and regulated by the National Credit Regulator which oversees microfinance organizations.

Our Objectives:

• To provide responsible access to credit to those outside the formal banking sector,
  particularly to traditionally vulnerable groups including women and the elderly.
  
  
• To support this access to credit through promoting saving groups and regular repayment.
  
  
• To provide credit with the aim of improving housing and building social capital.
  
  
• To enable clients to build adequately sized houses which meet their needs.
  


• To provide an example of successful lending to the financially marginalised and to pioneer a methodology for finding sustainable solutions to poverty.