Mr Mazibuko outlined that Khula's products and activities which include the following: . Covering business loans - loans to Retail Financial Intermediaries, who further on lend to SMEs. . Credit indemnities - Khula assists SMEs to access private sector funding, through banks and RFIs by indemnifying their loans. . Joint ventures - Khula partners with the private and public sector to finance SMEs. . Funds available to businesses - Khula establishes a fund that will facilitate loans to SMEs. . Mentorship programme - mentors are used for both pre and post loan interventions as well as capacity building to the RFIs. Currently Khula has entered into an agreement with the Institute of Business Advisors of Southern Africa - to manage the mentors' database. . Renting of property to entrepenuers - located in previously disadvantaged areas, these provide operating space for small entrepreneurs at discounted rates.