. Difference between Samaf and Khula - According to Mr Naidoo, the difference between the two institutions is that, on one hand, Samaf provides institutional and capacity building support to intermediaries in order to make them sustainable, while Khula, on the other hand, use the intermediaries for on-lending. Samaf is limited to micro-finance, while Khula operates in the small-to-medium enterprise sector. The acting CEO highlighted that, if Samaf was to be absorbed into Khula, the specific focus of servicing the poorest of the poor will be lost. . Poor performance of senior managers - Even though there is performance management system in place, too much latitude, according to the acting CEO, was allowed as Samaf was in the process of still being developed. The system is being applied more strictly, and staff is measured against clear standards. Samaf indicated that, initially, it was not known to Samaf what skills would be required to run the institution, but as the organizational model was being refined, the competency gaps were identified. . Funds allocated for education - These are funds which are refundable loans to pay for individual student loans. . Turnaround times for loan applications - Members of the Committee raised concern that the turnaround time for loan applications, which was, on average, 90 days is long. Samaf agreed that it was long and assured the Committee that efforts are being undertaken to reduce it to 30 days. . Working relations with other stakeholders - Samaf is working closely with all stakeholders like municipalities, Khula, SEDA and so forth. . Turnaround time of client complaints - The acting CEO stated that, if it is not a complicated issue, it can be resolved within one (1) day. He further reported that they receive very few complaints. . Redeployment of staff to EDD - Administrative staff has been redeployed to the Department of Economic Development and these posts will be kept vacant. . Sustaining intermediaries - According to the acting CEO, intermediaries needs a longer period to be "hand held" in order to be sustainable.