The female Zimbabwean Entreprenuer making waves in the mining industry

                                                   Meddy Matshalaga


Mining has been identified as one the key drivers of the local economy and Meddy Matshalaga is one of the few women operating a mine. 


She is the executive director of Three Gem Gold Mines in Zvishavane and chairs the Licensed Gold Buyers’ Association of Zimbabwe. 


ND: Can you give us a brief background of your company?


MM: Three Gem Gold Mines started at the end of 2007. We started serious operations in 2008 when things were really tough during the Zimbabwe dollar era. The mine started with what you call custom milling (stamp mill) for small-scale miners in Zvishavane where we provided a service to small-scale miners who brought their ore for grinding to produce gold. We began to do mining at very low scale and, later, we received a buying and selling licence. 


The company was established with $40 000 savings from my Development International consultancy business. I used the money for construction, bought transformers and a stamp mill.


ND: What motivated you to get into this line of business?


MM: I think two things happened. Initially, it was because I just wanted to have another business in case I got tired of working formally, but the real thing that really motivated me was some time back, I think in 2007, the Ministry of Gender and Woman’s Affairs hosted a field day in Zvishavane where I participated. 


It was at that time the Reserve Bank of Zimbabwe used to do a lot of mining in Zvishavane and worked with rural women, pounding and processing gold. So it was mainly woman labour. I loved seeing women participating, but I felt it was too much work for them on one hand, but on the other, I realised women could contribute to the economy in a positive way.


ND: How have you managed to get to where you are today?


MM: It has been a long story, I guess. I don’t know whether I can call myself somebody who has made it. But I think it is through hard work by somebody who had a passion for the sector. The sector is very active once you are in it, so you want to continue. However, I think the most important thing is to put some professionalism into the work. 


ND: What is your opinion on the mining industry and general performance of the gold sector?


MM: I would say the mining sector is one of the key drivers of the economy. Gold is also one of the major minerals contributing to the export market and I am sure the gold sector will surpass the target of 13 tonnes anticipated by year-end.


We have had a favourable environment given Europe is struggling and prefers keeping its wealth in gold. This has encouraged a lot of production in the sector, but again I think the sector is not really being fully maximised. There is need for more resources and technological know-how on gold extraction.


ND: Given that there are very few women in mining, what are some of the challenges you face?


MM: The mining sector is heavily dominated by men even in extraction itself. Women need to be educated even in little things such as how to register a mine and how to handle labour issues. At times women get cheated to get some of their work done. There are, however, a number of women working hard and doing well.


ND: What advice can you give to other entrepreneurs who are in your line of business?


MM: The secret to running a business successfully for a long period of time is by running it professionally.
Such issues as employees and banking are critical for a successful business.


The most important thing is to comply with the regulations of the country. If you are playing football understand what is wrong and what is right. Comply with the laws, labour law and Zimra (obligations). Just comply from A to Z. When you comply you don’t need to worry. You get visitors at your premises.
Let us toe the line in all respects 


ND: What do you think should be done to improve mining in Zimbabwe?


MM: Small-scale producers need support so that they can maximise their potential. They need access to compressors and education on how to grow their businesses.


If all miners could comply and contribute the relevant taxation they owe, then the economy will do very well. Look next door in Botswana, they are doing well as a country as their revenues are being channelled towards development through the construction of schools, roads and hospitals, among other infrastructure.


ND: What are your future plans?


MM: My future plan is to add value to the Licensed Gold Buyers Association of Zimbabwe (LGBAZ). We want to make it efficient and grow the association to enable it to provide services to its members so they can run their businesses professionally.


The growth of good practices by members will enable a significant contribution to the fiscus. We recently made an application for LGBAZ members to be allowed to export their gold so they could enjoy benefits of economic liberalisation.

#BeInspired













*Interview conducted by external source

The Wealthy Zimbabwean Miner

                                          July Ndlovu

Ndlovu Director at Anglo Platinum

BSc (Honours) (University of Zimbabwe), MBL (Unisa), CSEP (Columbia), BLP (Duke Corporate Education)

Executive head: Process  at Anglo Platinum.Sitting on the executive committee of one of the world’s biggest multi-national mining companies

July graduated in Engineering and Business Leadership from the universities of Zimbabwe and South Africa respectively, and completed the Senior Executive Programme with Columbia Business School. He was previously employed in Zimbabwe by Anglo American Zimbabwe subsidiaries, where he held senior managerial positions in metallurgicaloperations and technical services. He transferred to Anglo  Platinum in 2001, was initially appointed business manager  of Polokwane Smelter, and later became head of process  technology. In September 2007 he was appointed executive head: process at Anglo Platinum.

Sitting on the executive committee of one of the world’s biggest multi-national mining companies, July Ndlovu, refuses to let power go to his head.

“I am no different from the ordinary man on the street and I would not call myself a successful person,” he says with true humility. “I am just an ordinary man working very hard and I have been pretty fortunate to have the opportunity to work with people who believe in me.

If the truth be told, there are many other people who are as qualified as I am and others who are brighter, but are still nowhere near where I am now.”

In his fourth year as Executive Head of Process, Member of Executive Committee and Member of Operations Committee at Johannesburg Stock Exchange-listed Anglo Platinum Ltd, Ndlovu (45) is one of very few blacks to hold such a post in mining here.

How to be a Millionaire

With Anglo-Platinum being the world's leading primary producer of platinum group metals and accounting for about 40 per cent of the world's newly-mined platinum, Ndlovu’s phenomenal rise up its ladder cannot be downplayed, even by the man himself.

Ndlovu, who graduated in Engineering and Business Leadership from the Universities of Zimbabwe and South Africa respectively, and completed the Senior Executive Programme with Columbia Business School, is also the Chairman of Anglo’s Zimbabwean subsidiary, Unki Platinum, which resumed operations late last year.

Cause for celebration

As the interview continues, Ndlovu begins to admit that his status in business is something out of reach for an ordinary man. His rise from a boy born to a poor peasant family in dusty Shurugwi, Zimbabwe’s Midlands province, is real cause for celebration, a great inspiration to every Zimbabwean, and indeed most Africans.

“I enjoy being in business, making money for my shareholders, but I love more the fact that things that I do, such as the company’s social responsibility, make a difference in society,” he says.

“Platinum group metals have gone a long way to solve some of the society’s most intractable problems and being part of that makes me happy.”

Ndlovu gives credit to his poor parents, who kept him on the straight and narrow and believed in the last-born of the family of six.

“In poor families, more often than not, the hopes and aspirations for children is quite limited. But I was fortunate to be born to parents who found it within themselves to believe and hope that their son could do something much more than they had done themselves,” he says.

Simple faith

“I learnt that if you dream that you can be something else in life, if you literally see beyond the horizon of the naked eye, have simple faith and believe in your dreams – you can achieve great things.

“Each one of us was born with a gift to be the very best that we can be. I realized that and worked through it and always had the feeling that I should make better my today than my yesterday. I also sought and got God’s blessings on my side.”

Ndlovu has worked for Anglo-Platinum for most of his life, having had stints at ZimAlloys, Zimasco and Bindura Nickel Corporation, before migrating to South Africa in an intra-company transfer in 2001.

He served as Business Manager of Polokwane Smelter and also as its Head of Process Technology, before he rose to his present post in September 2007.

He still has high hopes for his home country. Unki’s operations are part of his grand plan to get Zimbabwe working again.

“It is pleasing to employ local people, contribute to local economy and exploit resources for the common good of the Zimbabwean people.”

And the best way for a child to lay the foundation for a decent future?

“Education, education, education,” emphasizes Ndlovu.

“I would like to advice the youth to take their education seriously because it is the only way through which they can open doors to opportunity. To be able to play the game, you need to first get the ticket and get in, and then you can start thinking about playing the game.”

Ndlovu also has advice for Zimbabweans in the Diaspora and great predictions for Zimbabwe’s economic prospects.

“Getting a chance of a breakthrough will always be difficult in a foreign land, but there are still vast opportunities opening up in Zimbabwe, which we should take advantage of,” he says.

“Instead of killing ourselves trying to find work in foreign lands, we should go back and leverage the skills we have acquired outside. Every Zimbabwean who has lived outside the country has learnt something valuable that they should consider giving back to their country. I have met teachers who have become nurses and engineers who have become managers of Zimbabweans in the Diaspora.

“Zimbabwe will reclaim its place as one of Africa’s best economies, but that will take willingness, determination and selflessness on the part of our leaders. Political divisions will not take us forward but only drag us down. We need to stand together as Zimbabwean people to make progress. Thank God we are not sinking any more.”

 

 

 

#BeInspired

 

 

 

 

 

 

 

 

 

*Interview conducted by external source

The Successful Zimbabwean Lawyer who went from Rags to Riches

                                           Florence Ziumbe


“When I look up into the sky, I not only admire the beauty of the Lord’s majesty, but I also yearn to reach for the stars and dwell among them and have the eagle’s view over all the earth. I want this for myself and for every woman out there who dares to dream and live in the reality of their dreams.” -Florence Ziumbe

Fifty-three years ago, in Nyazura, the Rwodzi family was blessed with a baby girl that they named Florence Erina. Today that girl, who dreamt big as she rinsed her face to run to school after a spell in the fields every morning, is living her dreams as Florence Ziumbe a successful corporate lawyer and Proweb president.

When I meet her, I am automatically drawn by the immense warmth and down-to-earthness that is characteristic of this high-achieving woman. There are no airs and graces to Ziumbe and she immediately reveals herself to me. “I am a rural girl. I grew up in the village, holding the plough behind a span of oxen. I cannot pretend to have some fancy tastes. I still love the rural food like nyimo (roundnuts) and sadza with offal.”

She finds the idea of having a favourite designer quite hilarious. “It took me time to be able to buy clothes with a clear conscience. I thought it was a dreadful waste of money so I made baby clothes and even my husband’s shirts on the sewing machine that my father bought me.” This is one girl who does not believe in retail therapy!

“I love this cheap jewellery and sometimes it just falls apart on me and my children think it’s a scream.” I cannot imagine this immaculately groomed executive whose spray of choice is “Pleasures” by Estee Lauder, frantically trying to clutch some plastic beads as they cascade down her clothes and scatter on the ground.

She may have rustic origins but, Ziumbe has adapted to the modern trends and is as much a slave to technology as the next person. “I just cannot be parted from my computer. I would never leave home without my laptop.” She admits and her music choice is quite eclectic. “When Michael Jackson died I felt very sad. He defined an age for my generation. I listen to classical music, you know Mozart, Beethoven. I also love Tuku.”

She has not allowed her background to limit her horizon. “I watch news, documentaries, the Discovery channels.” She lists her pastimes and also adds that she reads autobiographies and takes time to watch some reality shows like Dancing With the Stars with her kids. “But not stuff like Big Brother,” she hastens to add.

It is when I ask for just one reason why we should all celebrate womanhood that she totally blows me off. “A woman is God’s latest model. After God created Eve, he did not create anything else. With technology, there is always a need to upgrade a gadget or it becomes obsolete, but a woman remains the final product for all time.” She says tongue firmly in cheek and I burst out in laughter.

On a slightly morbid note, I ask her what she would like to have written on her epitaph and she takes a very short while to come back with another unique return. “I would like it to read: A person who had such great ideas and so little time.” Amazingly with all that she has achieved, she feels that there are still so many things that she would like to do if she had the chance.

Ziumbe is married and has two daughters and a son. “When I get home then I am a mother and a wife. That is what my family will be expecting and it would be unreasonable and unfair to make them put up with anything else.” That is how she manages to juggle her personal and her professional roles.

Ziumbe is a woman of passion. There is drive in everything she does. “I will be a lawyer until I die,” she states unequivocally then goes on to explain why she has changed fields in the practice of law. “I started out as a family lawyer. I would handle some high profile divorces but in almost all cases, the woman walked out of a mansion in Borrowdale with just her handbag after so many years in a marriage. I just could not take it anymore and I turned back to corporate law.” Ziumbe started out with Scanlen and Holderness before branching out into personal practice.

Ziumbe has sat on more than 40 boards including those of Zimbabwe Electricity Supply Authority  and Cottco and at one stage chaired the Financial Gazette board. Currently she sits on several boards including Redstar, Pelhams, Afribank and its holding company. She is the deputy chairperson of the state Procurement Board.

But of all her “career babies”, Proweb seems to be her emotional crowning achievement. It is through this networking organisation for women that she is expending much energy to ensure that as many women as possible get to dream and live those dreams. “It is my aim to see membership grow to 200 000,” is an earnest expression of her wish.

And her parting words just make me itch to get up and push myself beyond my perceived limitations immediately. “Failure is experience. I really do not know any reason why anyone cannot achieve what they set out to. Look at me. I came from a poor rural background but that has not dimmed any of my dreams.”

*Interview done by external source

' I would rather have God than money'...states one of the Richest men in Zimbabwe

                                             Delma Lupepe 


Today we feature Delma Lupepe, one of Zimbabwe's successful businessman who has helped create employment and sustain the livelihood of fellow Zimbabweans.

He is one of the richest men in Zimbabwe and “he has seen it all and done it all”, but the now repentant and God fearing Delma Lupepe, revealed that he would rather have God than money because at the end of the day, all his riches are vanity.

In an exclusive interview, Lupepe who is a devoted Seventh Day Adventist revealed that his money never brought him peace and a comfortable life until he accepted Jesus as his personal Savior.

“I have money, not that I am boasting, I am only stating a fact and through my money I have seen and done it all, there is nothing you can tell me about life. There is nothing that I have not done but I am not proud of it. I have been all over the world, stayed at the most expensive hotels, some of the suits I have cost me 30 000 to 40 000 Rand. I have driven almost every version of the Mercedes Benz and almost every car. Right now I have two Porsche models, a Boxster and a 911 which if I am not mistaken is the only one in Zimbabwe, but its all nothing and it does not give me joy.

Right now I have two Porsche models, a Boxster and a 911 which if I am not mistaken is the only one in Zimbabwe 

“And I have dated numerous beautiful women but I can tell you I never got any peace or satisfaction from that. I want people out there to know that all that glitters is not gold. It is better to live a humble and sinless life than to have riches that will lead you to death,” said Delma.


Lupepe, who is the owner of Maydeep Investments, which incorporates Merspin, Gloweave and Ascot Clothing Company, likened his life to that of the Biblical prodigal son who asked for his inheritance from his father and went away to a far-away country to squander it all.

“Just like the prodigal son, I was a youth with money and I used it wrongly. I was a slave to sin and like many youths of to day I believed that life was one big party but its more than that. So I am saddened by what the youth aspire to be. Frankly they should know that quality life is not in money, money does not bring any peace – peace comes from knowing God. All the other things are vanity, Solomon was one of the richest and best-dressed men but he admitted that the lilies on the ground were better than him.

“Don’t misunderstand me, God wants us to be prosperous and rich, he has plans for us, plans of prosperity not of harm. But we should know that riches come with responsibility, the prodigal son was irresponsible and I was irresponsible but I am glad that like him I found my senses.”

Delma believes that God gave him money not to buy cars and other worldly material but to use it as a vehicle to preach the gospel.

He said: “I used to hire a private jet from South Africa to come and pick me up for a shopping spree in Johannesburg. I had money but just like the prodigal son, my riotous spending meant I was eating with pigs. That was foolish, now that I am back in my father’s house. I use my money to spread the Advent message and to build churches. Not to buy worldly things, which are worthless at the end of the day.

He said: “I used to hire a private jet from South Africa to come and pick me up for a shopping spree in Johannesburg. 

“Whatever we do in life we must put God first. I thank God for knocking sense into my head before it was too late.”

Asked to reveal the event that led him to repent, Delma refused to divulge his life altering experience, but said: “I repented when I found myself in a situation that made me realise that God does exist.”

However, it is believed that one of the reasons why Delma sought God was an incident in which he escaped a kidnap and car-jacking attempt by a group of armed robbers in North End in 2002. He was also involved in a number of car accidents in which he believes that he was lucky to survive.

Delma added that God always had good plans for him that hinged on his repentance, revealing that one of the blessings he has received is his wife Abigail Lupepe who is a dentist.

“Some people are unfortunate that when they were wild, diseases such as AIDS and even death caught up with them. But God smiled on me even when I was still in the wilderness and he gave me a beautiful wife who I love dearly. A good wife comes from God and I encourage the youth to wait on the Lord and he will definitely send them the showers of blessings.”

He reiterated that God is always “looking for an excuse to do good things for us but we have to come back home for that to happen. If you want an education or employment it all belongs to you the secret is to accept God. And after accepting God you have to give him his tithe and offering. People think it’s a form of extortion but in reality it is a way of recognising that everything you get is from God. And if you are faithful with that he will look after you, at the end of the day tithe is only 10 percent of your earnings.”

Delma also took time to urge the youth to respect their parents and elders, unlike the prodigal son who disrespected his father by asking for his share of the inheritance before his father’s, because “failure to respect parents is a sign that you do not respect God.”

Lupepe is famous for his role in turning the Zimbabwe Premier Soccer League (PSL) into a semi-professional league. He introduced incentives for Amazulu Football Club players such as monthly salaries, medical aid, bonuses, training and camping allowances at a time when most clubs just paid winning allowances or salaries based on the number of games played per month.


#BeInspired














*All interviews conducted by external source

One of Zimbabwe's Most Important Women

                                            Lynn Mukonoweshuro

Lynn Mukonoweshuro is the Group CEO of King­dom Finan­cial Hold­ings Lim­ited (KFHL), as well as Chair­per­son of the Coun­cil of the Women’s Uni­ver­sity in Africa. She is one of Zimbabwe’s most impor­tant women. 

On the day we were to have our inter­view, there was a time mixup on our cal­en­dars so that I ended up arriv­ing at her office at 7am, instead of the 9am she had on her cal­en­dar. So because she had to be some­where by 7.30am, we could not have the inter­view then, and she felt so really bad, moreso because I had come extremely early and now I had to go and then come back again. At 7am, Lynn looked like she had been in the office for hours, not that she seemed tired or any­thing — to the con­trary, she looked serene and com­fort­able. The way you and I would look like round 11am. So nat­u­rally, when our meet­ing did finally com­mence, my first ques­tion (some­what incred­u­lously) was:

 Q: What time do you wake up and how long is your work­ing day?

“{smil­ing} My mother always said that ‘you shall sleep an unin­ter­rupted sleep’, so don’t waste your time on earth sleep­ing’. I wake up between 2-4am. That’s because it’s the time I reserve for prayer, to usher in the day. I’m here at work by 6.30am and home by 8am. But I always make sure I’m home for lunch.”

Q: So you are CEO of King­dom and Chair­per­son of the Coun­cil of the Women’s Uni­ver­sity. What else do you do? And as CEO, what exactly do you do?

 “A lot of work. {laughs} I’m actu­ally a ser­vant in this whole organ­i­sa­tion, which has five sub­sidiaries and branches in Botswana and Malawi. I also work with a lot of orphan­ages, I do strate­gies for churches and I’m on a num­ber of boards.”

Q: In an inter­view you had in 2010 with the Stan­dard, you said “work­ing for King­dom is a call­ing”, why is that?

“Work as if you work for God and not for man. The company’s vision is grounded in that verse, and so I work as if I work for God and not for man, and pay­ment for me is a sec­ondary mat­ter. That’s why I see my work as a call­ing because I work for God.”

Q: I under­stand you are the first female CEO of King­dom since incep­tion. How does that feel?

“I don’t see gen­der when I look at peo­ple, I see human beings, so it’s not a really big deal for me, because if you go through life look­ing at every­thing from the point of view that says because I am a woman, then you will be in trou­ble. Besides, King­dom has always been gen­der sen­si­tive, we have a num­ber of women in to posi­tions.  {sim­il­ing} I think Nigel’s mom[Nigel Chanakira is the founder of KFHL] raised him well.

Q: Before you came to King­dom, you worked at IBM Com­put­ers and Coca-Cola, please tell me about your expe­ri­ence there?

 “I enjoyed my time work­ing at those two com­pa­nies. I’ve always believed that one must get a note­wor­thy exo­e­ri­ence whilst young. In order to do so, you join a brand because of their vision, and you grow with the com­pany. This is why I’ve worked at the com­pa­nies I’ve worked for before and now I’m here at King­dom and I enjoy work­ing here every step of the way and I’ve grown a lot since I’ve  come here.”

Q: I read that you are mar­ried and have three chil­dren, how do you jug­gle being a mom, wife and busi­ness woman?

 ”{instantly she becomes excited, stands up and shows me a pic­ture of her and her fam­ily on the wall, point­ing out the indi­vid­ual mem­bers} My eldest son is 24 — he’s just fin­ished uni­ver­sity, the 2nd is doing his A’s, and the 3rd wants to be a doc­tor. She started her own soup kitchen with her friends when she was only in Grade six, now she’s in form two and she says to me one day when we had gone to a hos­pi­tal ‘mommy I want my own hos­pi­tal just like this one, and the poor won’t have to pay’, and i think to myself oh my. My fam­ily and I have so much fun and my hus­band is ever so sup­port­ive. I have a diary I keep where every­one knows they have  to log on the day they want my time, if you don’t log on when you want me, then you can’t com­plain when I can’t make it to wher­ever you want me. We do work some­times as a fam­ily, do char­ity work together for instance, I am so blessed to have a fam­ily like mine.” {you can tell she is very proud of her fam­ily as she says this  }

Q: Grow­ing up, did you ever envi­sion your­self being where you are today?

 ”{laughs} I always thought I’d be a pilot, or if I didn’t end up a pilot I wanted to end up in the Sci­ences field. When I got to the U.Z how­ever, most Sci­ences lec­tur­ers had gone to the U.K, and so I was forced to get into Business.”

Q: Speak­ing of, where did you grow up, and which schools did you go to?

 “I grew up here in Harare and I went to Nharirire Pri­mary School in Mbare” [with eyes wide open I’m like “really” because Mbare is one of the old­est Zim­bab­wean high den­sity sub­urbs, and it is shock­ing that she went to school there because look­ing at her you could never guess] {she ofcourse, laughs, because she knows what I’m think­ing} 

Q: And your fam­ily, tell me about them

 “My fam­ily was very small and close, two boys and myself, I am the last, the mid­dle boy passed on. I was never spoilt, regard­less of the fact that I was the last born, you see, moms then were dif­fer­ernt from moms now. And my father would treat my broth­ers and I equally, there was no gen­der differentiation.”

Q: What do you enjoy doing in your spare time?

“{smiles} I cre­ate spare time. I enjoy inte­rior decor and cook­ing, I love exper­i­ment­ing. So it’s very nor­mal to find me revamp­ing a room, it’s not as often as I’d like though. I’m also a very spir­i­tual per­son and a great believer, so I cre­ate time just for me and my Creator.”

Q: So I want to know your favourite things: what’s your favourite food?

 “Peanut but­ter in anything.”

Q: Favourite country?

 “Switzer­land — it’s so clean, it gives you hope that peo­ple some­where can be clean.”

Q: Favourite music?

 “I love Hill­song, and I’m into clas­sic music so my other fav is Bethoven.

Q: To close our inter­view what would you want to say to those young women who look upto you, admire you and aspire to be like you?

 “Be very focused, know what you want to do, let noth­ing come between what you want to do. Take it step at a time. But always be responsible.”

#BeInspired

NOTE: INTERVIEWS CONDUCTED BY EXTERNAL SOURCE

The Humble And Weathy Entrepreneur

                                              Tawanda Nyambirai

A person must be motivated by the joy to provide good services and be inspired by the importance and relevance of their job or business towards the betterment of their country. This is the same kind of desire that drove one of the movers and shakers in the corporate world to become one of the top achievers in the banking and corporate finance sector. It brings to mind the words of the Nigerian Christ Embassy Pastor Chris Oyakhilome who said: "You may be a trader, cleaner, teacher, civil servant or a chief executive, no matter the job or business you do, let your goal be to render service. And that way your greatness will be inevitable."

At 40, Mr Tawanda Nyambirai the TN Holdings boss has managed to achieve what most could have considered impossible for someone who is a lawyer by profession. How can a lawyer make a breakthrough in the complex banking sector? His secret is that of treating his customers as kings as he makes it his business to know what customers need and then reaches out to meet those needs.

He is the major shareholder in TN Holdings through his investment vehicle Nyambirai Associated Trusts. TN Holdings is the holding company for TN Financial Services (Pvt) Ltd, TN Asset Management (Pvt.) Ltd, TN Microfinance and TN Harlequin- a furniture division.

To meet people's needs, Mr Nyambirai saw it fit to bring the banks to the people and not the other way round. That is the reason why he places most of his banks in clothing shops, furniture and grocery outlets like Greatermans and Meikles to make it more convenient for the customers. The down-to-earth father of eight would rather describe himself as " a sinner saved by grace" as he is human and makes mistakes like any one of us. "I usually don't like talking about my personal life as there is a temptation to talk about the good and leave out the bad. "Mostly when I say I am a Christian people tend to build an image of me and half the time they forget that I am also human like anyone else who makes mistakes." he said. A staunch Warren Buffet fan, the TN Holdings Limited chief executive is inspired by the billionaire's investment principles.

He however, does not believe in having a mentor because he says it tends to elevate an individual and model someone as an example that is worth being followed. "I believe in genuine friendship and fellowship from whom I can learn and who can learn from me as well. Friends do not speak down on me but they are there to encourage me," he said. The Apostolic Faith Mission follower is motivated by the desire to change lives and assist the less privileged and make others avoid the pitfalls he fell into. Mr Nyambirai is motivated by love and focuses more on what he wants tomorrow to be like.

"I'm not building a business for today but I am modeling it in what I want to see it being tomorrow. As other banks are retrenching I am actually going against the grain as I am recruiting people because I know that the future of banking needs one to have skilled staff," he said.

Challenges are not meant to destroy you, they are meant to groom you and it takes self-confidence, discipline and focus to be an achiever, said the staunch Dynamos supporter.

Mr Nyambirai said that during the hyperinflation era many Zimbabweans lived like there was no tomorrow but on their part they remained conservative and knew that there was a tomorrow that required them to work hard. The lawyer-cum-businessman who was born in the farming community of Lalapanzi did his primary and secondary education in Chiungura in Gutu and A-Levels at Chibi High School. He went on to attain a law degree at the University of Zimbabwe in 1992 and he also holds a certificate in International Conflict Resolution studies from the University of Uppsala in Sweden. Mr Nyambirai comes from a broken family of 16 and is happily married to Ketty Nyambirai.

Mr Nyambirai described 2010 as a "good and blessed" year for him and his organisation as he was named the Zimbabwe National Chamber of Commerce Harare regional and national businessman of the year award. His company was also awarded the best commercial exhibitioner at the Harare Agricultural Show. In December last year, Mr Nyambirai won an international prize in Geneva, Switzerland, known as the Platinum Technology award for quality and best trade name.

He also got a "special award" from Tsitsi and Strive Masiyiwa for being an individual who was most supportive of the charitable activities they carry out. The successful businessman reflects with a lot of pride to the law practice that he built since it delivered value to his clients who still have fond memories of him.

Mr Nyambirai said he was particularly proud of his achievement as part of the legal team that successful led NMB Bank to dually list on the Zimbabwe and London Stock Exchanges.

He said that he managed to create a thriving bank because he had been patient for eight years since 2001 and put all his strength in building a bank that will not be short of capital.

"From humble beginnings in 2001 TN Financial Services offered advisory services and we used it as a platform to build capital to start a bank. "We preserved the capital and kept little in cash therefore suffered little losses during hyperinflation," he said. TN Bank was among some of the banks that satisfied Reserve Bank of Zimbabwe minimum capital requirements way before the deadline last year.

He added that in a few years his bank expected to have one of the largest branch networks in the country as they were expecting to have more than 32 branches and most of these will be in Econet and Meikles shops by June this year.

I'm no Masiyiwa front

TN Holdings founder and chief executive, Tawanda Nyambirai has insisted that he is “his own man”, dismissing speculation that he was a front for thenon- telecoms business interests of South Africa-based mogul, Strive Masiyiwa.

Nyambirai founded TN Financial Holdings in 2001 and engineered the group’s listing on the Zimbabwe Stock Exchange in 2010 through the reverse take-over of furniture manufacturer and retailer, Tedco Limited.

In addition, Nyambirai also chairs the Zimbabwe operations of Masiyiwa’s Econet Wireless while the telecoms entrepreneur has also become a key shareholder in the fast-expanding TN Holdings.

However, while admitting that it would be an honour to be a “front” for Masiyiwa, Nyambirai insisted that this was not the case.

“If there is anybody I would love to front for it is Strive Masiyiwa … it would be an honour,” Nyambirai said in an interview.

“Masiyiwa (is) an honest, generous, kind and humble man. He declared that his first (Econet Wireless) dividend after profit would go to charity and when he realized it he did just that and I personally distributed the money and would manage it for him and give it to charity so I know he kept his word ... he has educated over 40 000 orphans in Zimbabwe.

 “So for people to say I am a front for him is a compliment and a privilege! But he is a shareholder and he is known and cited everywhere in the records as a shareholder at TN. People who do fronting deals do not do that. They are unknown in the background as the fronts play the role of owner. He would have been in the shadows.”

Nyambirai said Masiyiwa became a key shareholder in TN Holdings after the Reserve Bank of Zimbabwe (RBZ) ruled that bank executives could not be controlling shareholders of institutions they are supposed to be running.

“When the RBZ said I should dilute my shareholding I asked myself who the best person to partner with would be and I thought ‘Strive!” Nyambirai said.

 “I was humbled and honoured when he had the confidence in me and my business to buy the shareholding. I am my own man and I have a shareholder in Strive whom I greatly admire!”

He also said TN Holdings was awaiting regulatory approval for the establishment of a cattle bank, a first for Zimbabwe. The proposed bank would allow farmers and individuals to use their stock as collateral when accessing credit.

“At the moment we are moving through the regulatory corridors,” he said.

“Steps are being taken, we have people all over the country talking to people, telling how they view it if we launch a cattle bank and the outcome is amazing. What is overwhelming is that it is not only rural people who are enthusiastic about the idea but also urban people. We have people living and working in the city who also have cattle in their rural homes as wealth and assets and they are very interested in the concept.”

Nyambirai said although significant progress had been made in improving operating conditions for business, the lack of liquidity remained a huge challenge.

“We operate in an environment and the major characteristic is illiquidity. We are operating in an illiquid market and whatever we do, we have to deal with that challenge,” he said.

“The way it affects us is there is more demand for credit than cash and very little cash is available. We have had to come up with strategies to deal with that problem and we seem to be winning.”

#BeInspired

Zimbabwe's Female Innovator

                                                      Divine Ndhlukula (with Sir Richard Branson)

Divine Ndhlukula, a Zimbabwean national, is the founder and Managing Director of SECURICO, one of Zimbabwe’s largest security companies. The Harare-based outfit is a market leader in the provision of bespoke guarding services and cutting-edge electronic security solutions.

Ndhlukula has done remarkably well. In less than 15 years of doing business, SECURICO has achieved a number of significant feats: The $13 million (revenues) company now has more than 3,400 employees – 900 of whom are women. The company was also the first security outfit in Zimbabwe to achieve an ISO (International Organization for Standardisation) certification. Last December the company was the winner of the prestigious Legatum Africa Awards for Entrepreneurship.
Divine Ndhlukula is immensely proud of what she’s been able to accomplish so far. The Midlands State University MBA grad granted me an interview recently during which she recounted her start-up journey, shared a few lessons she’s learned in doing business in Zimbabwe and relived her experience in winning the Africa Awards for Entrepreneurship.

Take me back to your earliest beginnings as an entrepreneur, right to the time you founded SECURICO. Of all the opportunities in the world, what prompted you to venture into the very male-dominated realm of security services?

I have an Executive MBA from Midlands State University and an MBA (Honorary) from Women’s University in Africa conferred me in recognition of my business leadership and efforts on gender equality. After attaining an accounting diploma from an institution in Zimbabwe, I worked briefly for the government and Zimbabwe Broadcasting Corporation as an accounting officer. I went on to take up an appointment at Old Mutual and later took up a job at a local insurance company in 1985. While I was working at these places, I was always running around doing some small business on the side – I was ordering clothes from Harare factories and selling them to colleagues at work. Sometimes, I gave my friends in other companies some clothes to sell for me and I gave them commissions on clothes sold. Within a short while, I had made enough money to buy an 8-tonne truck, which I hired out to a construction company.

As time went on, a situation cropped up where I had to rescue my late father’s farm from being auctioned. My brother (who had inherited the farm according to our customs) had taken a loan with a local bank which he had been unable to service, so the bank opted to auction the farm which my brother had tendered as collateral. As a result, I had to sell the truck in order to raise funds to rescue the family farm from being auctioned. The title of the farm was changed into my name and I ventured into the farming business in 1992 and quit my job. I then took a loan against my house in Harare, to prop up the farming business and poured the loan in a maize crop that flopped due to a drought that season.

As I was almost losing my house in 1995, I then went back to my former employers, Intermarket Insurance (now ZB Insurance), and asked for my job back. Since I had been one of their top performers, the company was happy to take me back. In no time I moved to the executive team.

Let me say that right from a tender age, I had always told myself and everyone that I was going to start and run my own business which I always envisaged as a large business. Hence the time I had stopped working, I had taken time to learn about all the critical elements of business as I had learnt my lesson the hard way. Among the various development programmes I enrolled for was an Entrepreneurial Development Programme which I did in 1995 and this indeed sharpened my entrepreneurial competences in a big way. I learned elements like opportunity seeking, to goal setting, business planning, networking etc.
My quest to start and run my own company never dissipated and therefore, even as I was back at work, I started scanning at the various opportunities that I could see and think of.

Eventually in 1998 I saw an opportunity in the security services sector. The opportunity was prompted by what I had noted in this sector- a total lack of professionalism, quality and services that customers really yearned for. There were two distinct groups of security organizations: the first group was comprised of the long established and larger companies – there were about five of them at the time. They literally had the market to themselves and did not see the need then of meeting the customer’s expectations as they could simply rotate the business among themselves in a cartel like arrangement.
The second group was the small emerging or submerging companies which did not have the resource capacity to service big corporations and the multinationals. In short, the decision to start this company was made on the understanding that only service and value addition was going to carry the day.

With next to nothing in capital and no security background, just armed with passion and determination to succeed in a hitherto male area, SECURICO was founded in Dec 1998 in the cottage of my small home in Harare with 4 employees. The business idea was after the realization of a gap that I had noted in the market for a service and quality oriented security services provider.
I set up operations in December 1998 and the company was formally incorporated in 2000. We started with three security operatives and two administrators-I included. I used to do literally most functions like office administrative work, accounting, deploying operatives with my one vehicle, supervision, training and other related activities. We converted my servants’ quarters to an office and we had only one desk for furniture that we shared.
Give me a brief rundown of Securico’s security services. I know your company primarily provides uniformed guard services, but you’re engaged in other services I suppose.

When we started we were primarily offering guarding services but we started cash and assets–in–transit services in 2002. This service offering has grown phenomenally and we are now the market leader in this service in Zimbabwe with a fleet of over 80 armoured vehicles. We have since diversified this service to “Cash Management.” Besides moving cash, gold bullion and other valuables, we provide on-site banking where we deploy our own cashiers to receive cash from our clients’ customers. At that point the cash is considered banked so our customers are able to cut back on expenses to do with employment and transporting cash. They also reduce risks involving cash to zero. It’s a very attractive and innovative offering. We have also gone on to propose value to our clients by another offering of providing them with receptionists who besides being frontline personnel also provide security incognito for their premises.
In 2008, at the height of the Zimbabwean economic crisis, we acquired an electronic security systems company – MULTI-LINK (PVT) LTD as a going concern. We transformed this company into a high tech installer specializing in the latest innovative and cutting edge electronic security solutions. We have since established partnerships with suppliers in South Africa, China, Hong Kong and India. Within the last two years we grew this company into the second largest in Zimbabwe in the provision of electronic security systems like CCTV, access control systems, alarms, remote site monitoring and response services, electric fences etc.
We also do private investigations, employment vetting, and security consultancy. Our consultancy includes risk assessments, security policy formulation, setting up security systems and establishing security profiles of employees.

In 2005 we founded a subsidiary company – CANINE Dog Services – that breeds, trains and leases guard dogs. The company also trains dogs for domestic use or as pets.
The initial mobilization of funds was not easy. As a person who went into this industry as an underdog, we started very small, doing the best that could be done, exercizing a lot of discipline in terms of cash management and literally grew with very little borrowings save for bail outs from family when the need arose.

SECURICO is now one of Zimbabwe’s largest security groups. How have you been able to accomplish this feat?

Two things: Firstly, from the onset our emphasis has been on service quality and professionalism. Therefore when we started our operations our approach was distinctly different from the other providers. The aim was to establish ourselves as a high quality security services provider. We also worked hard to build a robust organizational culture with a strong customer orientation a culture that would define our make-up. Although we started building this culture from inception we decided to implement the ISO 9001 Quality Management System to buttress the culture. We became the first company in the security industry to attain the internationally acclaimed ISO9001 QMS.

We set a pace that transformed the private security business in such a manner that our brand became the flagship in this industrial sector. It involved very hard work on my part and my team but the effort led to the phenomenal growth that took us to where we are now.
Secondly, the security industry in this country was associated with people who hitherto had failed to make it into other careers. This resulted in the industry being served by people who had low self esteem and that indeed affected the quality of services. We embarked on an initiative to shift the paradigm altogether. This was achieved by a conceptual framework that I came up with that we implemented to change that mindset. That won the day and the security industry has tremendously transformed now to one that is respectable, professional and people are eager to build their careers in it.


You recently won the Legatum Africa Awards for entrepreneurship. How did that make you feel? Relive the experience for us.
Winning the AAE was the most humbling experience I have had in my life. I was awed to say the least. When it became apparent that we were going to be announced the winner, this is at the point when they had announced the other six winners and about to announce the grand prize, I just sat in my seat at loss for words and just managed to say to my colleague Mark Kupfuwa, “We are winning this award and I can’t believe it!” Though I tried very hard to be cool and composed, I just went up that stage not believing it was actually happening.
Before we got to Nairobi for the finals, my team and I had been so confident with our showing at that point that we were almost certain of getting the grand prize. However, after meeting the other finalists in Nairobi, whom I found to be dynamic and talented, I had then almost been convinced that the grand prize was going to any of the ten of us, but, at least I was convinced we would make it into the other 6 run up winners. So 8th December 2011 is a day I am unlikely going to forget for the rest of my life.

While we have won 11 national awards in the past 12 years, AAE is the most significant so far as we were competing with 3,400 companies in 48 African countries and this magnificent achievement has put us at a very enviable position. This will make our future growth plans easier.

Is Zimbabwe really an easy place to do business? Have you had to navigate some bureaucratic bottlenecks in trying to do business, and is corruption still a major problem?
I am a firm believer of the philosophy that there is no easy road to anywhere worth going to, especially business, in particular in Africa. The Zimbabwean business environment has been very difficult in the past ten years, however, at the same time, this presented opportunities for those with a good entrepreneurial flair. The record inflation, lack of consistent power, the uncertain political environment of 2007 to 2009 presented unimaginable challenges. We managed to pull through due to tenacity, creativity and determination.
Zimbabwe still boasts of abundant opportunities to do business. The environment has not reached expected levels necessary for ease of doing business but there is great progress. We are one of very few countries with potential for greenfield opportunities across all sectors. Competition in some of them is low and scope for maximizing profits exists. For those with little hesitation to plunge….this is the time.
Bureaucracy has been tamed now. The creation of Zimbabwe Investment Authority (ZIA) has plugged all cumbersome processes. ZIA has resulted in the realignment of licensing, registration and most, if not all statutory requirements, regulatory information is found under one roof.

Corruption, unfortunately, is the cancer the country is grappling to deal with. We as a business had anticipated to get a lot of government work after the multi-currency system was introduced 3 years ago, but we have not gotten much work from government as their awarding of tenders is fraught with corruption. Institutions created to superintend over graft have also been highly politicized rendering them ineffective. Graft exists in both private and public sectors. Yes, it is one of the negatives any investor will and is expected to deal with.

What is the biggest lesson you’ve learned in business?

The biggest lesson I have learnt so far is that nothing comes easy. While I had always knew I was going to make it in business, I had not really anticipated the amount of hard work, discipline, commitment and determination I needed to get here. Hence, I have now have had to learn that the secret of success is found in one’s daily schedule.

What is your philosophy in business and in life?
My philosophy is anchored on the biblical “never tire in well doing, because, in due season, you shall reap if you faint not”. I believe that every good deed is a door opener hence I always try to be as good as I can to others, my word being my bond, as the key to my success is loving and connecting with people which are always the seeds of great things to come. I believe in playing by the rules all the time and most importantly upholding my personal integrity as this gives me good night sleep.
In a nutshell, what is the most important piece of advice you’ll give to young, entrepreneurial inclined individuals out there- particularly the ladies?

My advice to aspiring entrepreneurs is start with an end in mind, know exactly what you want to achieve and start to work systematically towards the goal, exercising some patience.
Know the industry you want to get into, its internal and external environment.
Work your plan with passion, determination and diligence, and when a bit of cash starts rolling in, have the discipline to know that it is not your money yet.

My advice to women all the time is: 
If you want a certain future, go out and create it. Conquer your fears as that is what enslaves most women. Opportunities are now galore. We just need to roll up our sleeves, lift our feet, and walk through the door as no one will carry us.
Have a game plan and execute it with passion, determination and focus. Never mind that you are a woman. Do not think about that except as a competitive advantage. No one is going to give you anything on a silver platter. You have to work twice, thrice, five times as hard and do not lose focus. Work with your passion, it will keep you going and once you have a footing in your business, make the most of it and create the momentum and that will get rid of all the little challenges that may bog you down. Lastly, choose your team carefully and get rid of non-performers soon enough.

Visit SECURICO at  http://www.securico.co.zw

Determination drives Ndhlukula IT is often said that success has no simple recipe because it takes focus and determination to get ahead in life. It is through abiding to this mixture of cocktails to success that Securico (Pvt) Ltd founder and managing director Ms Divine Ndhlukula is the success story she is today. Ms Ndhlukula has managed to overcome many obstacles on her way to starting one of the country’s most successful security firms. She has managed to hold her own in a male-dominated industry. Growing up, Ms Ndhlukula did not believe in being a failure. She always wanted to be at the top from her time in school and even among her friends. “As I was growing up I always enjoyed taking the leading role making sure that things were done properly. “Another contributing factor was that back at school there was a lot of stereotyping from the male teachers and male classmates who were thinking that there is not much that can be done by a girl child, so I wanted to change that perception,” she said. Her drive to succeed in a male-dominated world coupled with an entrepreneurial spirit that was inspired by her business-minded parents, who pushed her to start her own business. “Let me say that right from a tender age, I always told myself and everyone that I was going to start and run my own business which I always envisaged as a large business. “During my working days I took time to learn about all the critical elements of running a business. I also enrolled for various developmental programmes, one of which was an Entrepreneurial Development Programme, which I did in 1995 and this sharpened my entrepreneurial competencies in a big way. “I learnt about elements such as opportunity seeking, to goal setting, business planning, networking and so many more. While I was working, I was always running around doing some small business on the side — I was ordering clothes from Harare factories and selling them to colleagues at work. Sometimes, I gave my friends in other companies some clothes to sell on my behalf and I gave them commissions on clothes sold. Within a short while, I had made enough money to buy an eight-tonne truck, which I hired out to a construction company,” she said Ms Ndhlukula later sold her truck, as she had to rescue her late father’s farm that was on the verge of being auctioned. This was to be the start of her adventure in business on a full-time basis as she quit her job to focus on farming in 1992. As fate would have it, her first attempt nearly ended in a disaster after she took out a loan against her house in 1995 to prop up the farming business and invested the money in a maize crop that flopped due to a drought that year. “I almost lost my house, I then went back to my former employers, Intermarket Insurance (now ZB Insurance), and asked for my job back. “Since I had been one of their top performers, the company was happy to take me back. In no time I moved into the executive team,” she said. Her return to working life did dissipate her desire to own and run her own business as she kept on looking for opportunities and one came her way in 1998 in the security sector. She noted that there was a general lack of professionalism, quality and services in the sector. “There were two distinct groups of security organisations. The first group comprised of the long established and larger companies — there were about five of them at the time. “They literally had the market to themselves and did not see the need then of meeting the customer’s expectations as they could simply rotate the business among themselves in a cartel-like arrangement. “The second group was the small emerging or submerging companies which did not have the resource capacity to service big corporations and the multinationals. In short, the decision to start Securico was made on the understanding that only service and value addition was going to carry the day,” she said. Since its formation, Securico has grown in leaps and bounds to become one of the leading security companies in the country. It now collects about US$13 million in revenue annually and employs more than 3 400 employees of whom 900 are women. Securico was the first security company in Zimbabwe to achieve an ISO (International Organisation for Standardisation) certification. Last year the company was the winner of the prestigious Legatum Africa Award for Entrepreneurship. Other awards won by Ms Ndhlukula include the Zimbabwe Institute of Management Manager of the Year 2003, ZIM Director of the Year 2009 and Zimbabwe Women Filmmakers Business Award, among others. Despite being one of the top female executives in an industry that is dominated by men, she has managed to conquer all the challenges that come with the job. “Most people think that to be in this industry you have got to have muscles, but it is not about the  muscles but brains, and a whole lot of determination,” she said. Turning to the indigenisation drive, Ms Ndhlukula thinks that a lot has to be done to make sure that women are also included in the action plan. They should be awarded some of the major tenders as well because they can do it not that they are women. “The Government must make room for women to be included in the indigenous drive that is underway. “Women are left out due to the fact that business deals are mostly discussed at golf courses and other places like that and very few women attend these because of the roles we have been accorded in the society and the way we have been socialised,” she said. Ms Ndhlukula was born 52 years ago in Gutu. She did part of her primary school at Zvinavashe in Gutu before she went to Bondolfi Mission. She later attended St Dominics Chishawasha and Makumbe Mission for her secondary education. In addition to her accounting qualification she holds a Masters in Business Administration from the Midlands State University, as well as an honourary MBA from the Women’s University in Africa that was conferred on her in recognition of her business leadership and efforts on gender equality. She draws her inspiration from Women University in Africa vice chancellor Dr Hope Sadza, Mrs Faith Ntabeni-Bhebe and Ms Leah Dauramanzi who are entrepreneurs in their own right. She says these women have managed to start their own enterprises on their own without taking risks or listening to what people will be saying that a lot of injustice is involved when it comes to women who will be venturing into business. Her last words to the women out there who would want to venture into business: “The secret of success is found in one’s daily schedule and my advice to women all the time is if you want a certain future, go out and create it. Conquer your fears, as that is what enslaves most women. “Opportunities are now galore. We just need to roll up our sleeves, lift our feet, and walk through the door as no one will carry us.”

#BeInspired