The Small Enterprise Foundation (SEF) is a South African microfinance institution founded in 1992. It offers micro-loans and financial education to low-income individuals, primarily women, through programs like Microcredit and Tshomisano Credit. SEF uses a group-lending methodology, requiring no collateral. Services include financial literacy, business development education, and savings mobilization. The target audience is mostly women living in poverty. SEF's unique selling proposition is its focus on empowering women through accessible credit and education, aiming to eradicate poverty by fostering economic resilience and social empowerment[1][3][4].