About Pfuna Rixaka
Peoples own power is more decisive than the state's will and ability to lift the poor from gift dependence to self-sufficiency. Therefore, we form groups for a shared responsibility, where the borrowers meet to encourage, share experiences and correct each other.
Knowledge and understanding of the world around us are important. That is why we have teachers who in turn train both groups and group leaders. The teaching is at a basic level about the market economy, marketing, financial accounting, etc.
Order is a prerequisite for sustainable growth. Therefore, we have a proven follow-up system that should not leave any room for corruption or nonchalance of agreements made.
Giving confidence is very important. Therefore, all borrowers start with loans at a very low level, which increases as they are shown to earn the trust.
We are not tying anyone up in a new long dependence. This means that we take a low interest rate of 3% and that we take the risk as a lender if a group fails, ceases or mismanages its business and does not repay its loans. And the individual does not get any new loans!
Our microloan idea
All People is able to leave poverty with the right support.
The basic micro-loan idea comes from Muhammed Yunus and his organization, which received the Nobel Peace Prize with the motivation "for their work to build economic and social development from below" His experience is from Pakistan. Our experience has partly emerged from many years of commitment to creating jobs for people I exclusion in Sweden through projects and programs financed by the state and municipalities, and partly from meetings with people and "aid programs" in Kenya and the south
part of of Africa. Our conclusion is that the basic idea of lending money to the poor is sustainable, but there must be some conditions for success.
Behind the project
Our first meeting was with P. Nkabinde in Soweto in Johannesburg. He was a retired principal from one of the local schools. The question we were asked was straightforward, what do you want? Are you here to give alms or do you want to meet and support entrepreneurs who have the ability and willingness to do something for their surroundings. We have left the first encounter with Africa behind us as we were just fascinated by the country and its people. Fifteen years later, after many meetings, conversations and collaborations, we are refined but absolutely not given up. We know that it is possible to make a difference in the lives of poor people when we work with local wise and good forces.
After an intense professional life, Liza and I have been given time and a new freedom to realize the experiences we have made in our working life and as volunteers. Liza, a nurse and care teacher, has worked in an adult education. Many students came from other countries, lacked education and needed help and support to become self-sufficient. I have been a project manager for several projects in the same area where it was about training for jobs in Sweden. For the past 12 years, I was a municipal councilor with the area of responsibility for the municipality's program to equip new arrivals to enter Swedish working life. That assignment also included chairing a development program in Kenya as chairman.
We have also recently had an assignment from the Alliance Mission in Sweden to follow up collaborations between churches in South Africa, Botswana, Mozambique, Zimbabwe, and Malawi. The contacts we have received on site from local entrepreneurs in the labor market area have led to the formation of Pfuna Rixaka. It is not foreign to us to work together with other cultures as we have for several years been voluntarily involved in a social project in South Africa that was emergency help for HIV / AIDS affected families but also educational support for young people. In this project, we have collaborated and shared experiences with domestic employees who led the work on site.
Our basic attitude is that even though we are different, we are still the same, even if the journey to self-sufficiency is longer, it does not differ much from Sweden and southern Africa.
Jan-Eric Jansson
English 
Swedish