. The profit which KwaMachi makes is ploughed back into the loan which they've received from Samaf. . Monthly reports are forwarded to Samaf. . KwaMachi FSC visits potential clients to assess the viability of their business before the loan is provided. . Board members do not receive a salary, but receive a payment of R400 after 6 months, which basically acts as an incentive to attend meetings. . There are various other commercial banks, which the FSC can utilise (they are currently utilising First National Bank). The delegation is of the opinion that other services and products offered by other commercial banks must also be investigated, where the FSC may save banking costs. Postbank can also be an option. . Interests to clients of the FSC are charged at 5%. Interests that the FSC is paying to Samaf is 4,4% per annum. . The FSC do not provide loans above R20 000. . The building extensions are paid for from the profits made by KwaMachi