KwaMachi FSC is located at KwaMachi village which is approximately 30km away from the nearest town of Harding. It is about 2 hours drive from Durban. KwaMachi FSC was established in 1999 as a savings club where members put their savings together with an intention to withdraw their funds at the end of each year. The institution introduced small scale loan products after they were registered with FINASOL (a defunct regulatory body).