The acting CEO summarized the performance targets as set by Samaf, and they, inter alia, include: . Loan repayment rate of Samaf - 50% (2010), 60% (2011) and 70% (2012) over the medium term expenditure framework (MTEF). . Tool to measure capacity building impact - investigate in the 2010/11 financial year and implement over subsequent two years. . Review operational costing model - 70% (2010), 80% (2011) and 100% (2012) over the three yrs . Portfolio at risk - 45% (2010), 42% (2011) and 40% (2012), reducing marginally over the three years . Bad debts recovered - 1% (2010), 2% (2011) and 5% (2012), increasing as capacity & systems improve . Improving awareness - brochures in all languages & community radio stations in 2010/11 & additionally utilising TV in next two years . Improve client satisfaction - 70% (2010), 80% (2011)and 85% (2012), increasing over three years . Retention of FI's (MFI's & FSC's) - 50% (2010), 60% (2011) and 80% (2012) over the three years . Reducing turnaround times for resolving client complaints from 5 to 2 days by the 2012/13 financial year . Review loan approval & disbursement process to improve turnaround times . Reduce turnaround times for paying creditors from 30 to 15 days by third year . Finalisation of review of critical skills requirement for Samaf, and 60%, 80% and 100% staff trained over the three years in partnership with strategic alliances . Internships and youth learnership - 6 (2010), 8 (2011), and 10 (2012) over the next three years