
So I made it to Cape Town – also known as the most beautiful place on earth! Well the center city itself is ok, but the surrounding area is absolutely amazing.
I am staying in a very cool hostel in the suburb of Observatory – a little rundown but mostly student area so it’s not too bad danger wise. I’ve tried to avoid walking around at night but the once or twice that I have it turned out to be totally fine. Much safer than Johannesburg I am happy to report. Of course, I don’t carry anything when I go out. I put a little cash, my phone and my keys in my pockets and that’s it. If someone tries to rob me I know better than to put up a fight here so it’s good to carry nothing you cannot afford to lose.
My hostel is filled with all kinds of interesting characters. A lot of locals stay here in transition so it’s not your typical backpackers. There are people of all ages and the overall feel is a little more worldly and hardcore, which is exactly how I like it. It is never boring! So far I’ve gotten to play djembe, eat lots of African meals and have heard some great stories over beer and braais. I’ve also met a lot of people through Couchsurfing and have had some great times out and about as well.

The internship is exciting and a great education, but I will elaborate on that in the next section so that I can stick to my “Pleasure & Business” format.
On that note, the past weekend was one of the best ever. It was a three day weekend and I certainly made the most of it. On Saturday a local Afrikaner I met at a Couchsurfing party last week took me around to Simons town, Boulder beach and Cape Point. We covered the whole False Bay area culminating in a visit to the most south-west point of Africa – The Cape of Good Hope. It was stunning. We saw baboons on the road and stopped to take pictures but had to get back into the car quickly as the baboons actually invaded another stopped car down the road! It was pretty funny to watch but at the same time I was glad it wasn’t us! They sure are clever little pests.

Arriving in Simons town and heading to Boulder beach I got to see the Cape Penguins in their natural habitat, which was very cute and odd given that most people think of penguins in the cold. It was such a nice day however that people were actually swimming as well. Did I mention its winter here?? In any case we continued on and spent the day hiking to and from abandoned beaches, and through the bush, finding more wild animals along the way. The Cape of Good Hope was just as gorgeous as expected and after the exercise filled day, we ended up at Kalk Bay for a meal of freshly caught fish and chips. When I came back to the hostel there was a braai going so I decided to join and ended up staying till the wee hours chatting away on the terrace next to a roaring fire.

The following day was wine country! I went with a really nice Pilipino-American guy from California who picked me up at the hostel. We headed for Stellenbosch and were joined by two more of his friends along the way. It was great! But how could wine and sunshine in Africa not be?? Stellenbosch looks more or less like the south of France though, just more exotic. I’ve always liked South African wines but I have to admit the ones you can get here are even better. Many don’t even get exported. It was yet another beautiful sunny day so we all sat drinking wine on the lawns of manicured Stellenbosch estates. The day ended in another seafood restaurant (ok, ok, those who know me know that I cannot resist seafood), this time at Gordon’s Bay. I had some Malay Curry Fish, a speciality of the region. After that and a few gluhwines (yes, they have them here too my European friends) the Afrikaner family at the next table somehow started talking to us. Well mostly the father was drunk and had to tell me that I had absolutely beautiful eyes. Repeatedly. Of course his wife was not too happy about that, but with a few well placed jokes they were at our table along with their daughter and her new fiancé – who had just proposed. I love how open and friendly people here seem to be because within minutes we were all laughing and celebrating together, even though their English wasn’t the greatest as they live in a small mainly Afrikaans town near Stellenbosch. Coming back in the evening from the great day I somehow got roped into going clubbing in the really posh Camps Bay. This was a whole other side of South Africa. Think Miami Beach. Very, very upscale. I managed to last the whole night but I can’t say I was really in the mood for clubbing. Something about Cape Town makes me just wanna be outside all the time or on a beach and actually talking to people. If I stayed here longer I am sure I would learn to appreciate the clubbing scene as well though, because after all, I am me.

The next day I woke up a little bleary eyed from lack of sleep as I had made plans to go surfing and sandboarding with a really hilarious and fun Dutch girl who is also here for an internship, and luckily also has a car. It had rained that morning so we couldn’t sandboard and I guess I will have to do that next time. The weather was great for surfing though so we got to spend the whole day doing that in Muizenberg beach instead. Having only done it twice before in Japan in not so great conditions I finally got to see what it feels like for real! I stood up pretty quickly and had some great runs. It was a bit cold though, even with a wetsuit, so it got pretty tiring. We ended up having to take a break for some quick shots of sherry at the beach bar in order to warm up and keep going. There were lots of people in the water even though the black flag was flying – meaning that visibility was poor and the shark spotters wouldn’t not be able to see anything. The danger is all part of the fun! Overall it was a great day and we were totally exhausted by the end. On the way back we found the cutest little restaurant bar called “Cape to Cuba”. If you’re ever down here I highly recommend it! Its fusion African and Cuban cuisine in the coolest, artsy, antiquey setting. They have great Mojitos as well. That night I only had enough energy to crash out on the couch and watch TV in the hostel common room. What a weekend!
I really am serious about wanting to stay here. If I have to leave, which is likely, I will work on paying off my loan as soon as possible so that I can come back here and start my own business. I think the surf beach bar plan is going to turn into a backpackers hostel, with a NGO and surf bar on the side. Plans within glorious plans! Now to just find some more partners in crime…..
And now, as promised, a little about the work that I swear I am actually doing!
MICROFINANCE: The internship so farFor my first two days of work I got to go to a workshop on social entrepreneurship (SE) hosted by The Business Place in the township of Phillipi, Cape Town. In total there were about 25 individuals present, including members of local NGOs (mostly business development related), government workers, a representative from the UN’s ILO, and an international consultant. It seemed that many local attendees were not familiar with SE nor impact measures, although there are many agencies that provide small business consulting services as well as microfinancing, thus suggesting that there is a lot of potential to stimulate SE in the South African context.
The bulk of the workshop was run by a consultant from the Netherlands who focused discussion on what SE is and how is differs from regular entrepreneurship and/or NGOs and how it differs from Corporate Social Responsibility (CSR). As this is something that is highly debated at the moment, it was no surprise to find a diversity of opinion on the subject. While some individuals feel that SE should include any and all business that has a social impact others think that this needs to be better proven and guidelines established. Otherwise it becomes difficult to know where to draw the line between that and just CSR; making it difficult to separate who should get grants or social start up funding for example. The key thing agreed on was that SE should have a social impact (and that the organization should strive to demonstrate this impact) and that it should be self-sustaining in the long-term.
The workshop also covered how to make a social business plan in the framework of the Theory of Change (which I have worked in a lot the past year and was excited to see used in a different context). The participants then practiced making social business plans and elements that were considered included the ability of the enterprise to generate money, the relevance of the social intervention for that particular community (i.e. how important/needed was that good or service in the context in question), whether the objectives stated were SMART (specific, measurable, achievable, realistic and timely), and so forth. Key Performance Indicators (KPIs) were also covered in the context of selecting the right KPIs for the desired impact and making sure that the relevant data can in fact be collected. Finally we went over social budgeting where KPIs were added to normal budgets and social benefits were quantified and things like volunteer time monetized.
For the final part of the workshop the ILO representative went over the ILO’s plans to host a local SE competition in the Cape Town area. The idea would be to have the local NGOs and the government workers use the knowledge obtained in the workshop in order to help individuals put together good social business plans that they can then submit into the competition. The prizes could include things like start up capital for the social enterprise; access to preferred loans; access to business consultants; office space; etc. The overall goal of the competition is to stimulate SE in the local townships as well as improve local infrastructure in order to promote the success of SE. The ILO representative went over all the ideas with the local representatives in order to make sure that there would be local buy in, and that the prizes, categories and so forth would all be relevant. I was really impressed by the participatory nature of the entire workshop. It looks like the UN and other NGOs are finally understanding the need for not only consulting but fully involving the communities with whom they work in the process of project development. That gives me a lot of hope, along with the focus on cross over fields such as SE in which I so strongly believe, especially since microfinance is one of the best examples of an SE.
After the workshop I finally got down to the real work. My first few days at the office I was presented with all the accounts and files of the small MFI that I will be helping and had to try to sort it all out. It is a lot of information to process but I have already learned a lot. I had to quickly try to make some basic spreadsheets as well as checklists in order to diagnose all their problems effectively. Their biggest problem seems to be a lack of adhering to procedures and lack of a proper entry and accounting system. Their numbers are in disarray. My first task when I get there will be to get their debtors book in order and to shadow their Loan Officers (LOs) and attend all the center meetings to see what is happening in the field. I have until end of August to get them on the right track or they might shut down. If I can get them going in a good direction then I will spend another month or so trying to formalize their systems and help them streamline. If all goes well I might get to go to another MFI as well which is also having trouble. The great thing about that would be that I would get to go to the Eastern Cape as well, meaning I would have seen a lot of South Africa at the end as well as been able to see 3 MFIs at work.
I have to admit it is a challenge and I was a bit overwhelmed at first, but I am also very dedicated and determined. Microfinance is very challenging in SA in particular. People tend to associate it with payroll lending which has done a lot of harm. The government also doesn’t have very good policies towards it and some government agencies do it so badly they ruin it for everyone else. There is a lot of potential though, and what is truly needed is an excellent PR campaign to get the government in line and make people more aware. It is something that I hope I can find some way of being involved with. I have never felt that I was on a more right career path.
Well that’s it for now! I had to force myself to finally sit down alone and write all this as I have been so busy. Only a week left in Cape Town though, and then off to Groblersdal to start the real work!