The Stats is clear that the number of people applying for Social Grants is increasing on a monthly basis.

 

Our objective is to help these people and simultaneously help child protection branches. The Enjoy Life phone app and the combined SMS software will be utilized for this task.

 

The only challenge however is to successfully negotiate with at least ONE bank. We will however approach all the Banks in South Africa with “cash accepting” ATM machines.

 

The objective is to ask the Banks that they should donate the “Cash deposit fee” back to the Homecare Foundation when people donate Cash at the ATM into the Foundation’s bank account.

 

Our existing business plan is to ask Employers to EFT on behalf of their staff the portion of wages that needs to be converted into Digital vouchers. (Business model to save food companies on accepting Cash which cost them a lot.)

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The software that we already programme can convert cash that the Foundation receives at ATM machines into digital vouchers. Our only limitation at the moment is that FNB only support us with Cash donations at their ATM machines up to R100 000 per month. After we breached that target, the Foundation must pay R4.40 for the first R100 and R0.90 for every R100 above the single deposit. If a SASSA Grant receiver want to convert R300 into a voucher, it will be possible, but not cost effective, to help the SASSA Grant person and child protection branches.

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Most of the SASSA grant receivers will not have data or the Enjoy Life phone app. We will need to support them via SMS and we cannot reduce these costs.

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R300 will result in us receiving only R15 that we can convert into vouchers and to support child protection branches. The plan is that we will be able to give R12 to the person for extra groceries (4% of the R300) leaving us with R3 less (the SMS cost of R0.16) = R2.84 that will be available for child protection.

 

If the Banks are not supporting us, the result will be that we will have to offer the Grant receiver less funds for Groceries. That is what we want to prevent from happening. If we need to deduct R4.40+R0.90+R0.90 = R6.20 from the R12, the SASSA grant receiver will only receive R5.80 for groceries. Our objective is to help the poorest of the poor buy more food and to help child protection.

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We are also concerned that the Grant receiver will want to convert R100 per day… and not a lot of cash into groceries at one stage.

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We already had interim meetings with FNB and with Capitec Bank. Capitec informed us that there is another 4 Banks entering the South African market. Capitec might be concerned about the opposition they face. There is also a huge chance that the Post Office will apply for a banking licence (Now that they are tasked to handle SASSA grants).   

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We want the larger banks to donate the Cash deposit fee. Remember that it will only be applicable to one bank account per bank. It is not a service they cannot do… The cash in the ATM is banked by thousands of people who are being billed within thousands of bank accounts.

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We will approach banks when the Homecare team has a large audience (Mandate on behalf of thousands of companies)        

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We can, as explained, work with one bank… but the risks are high. There is no bank that has enough cash accepting ATM machines in the country to handle if 5 million South Africans want to convert cash into digital vouchers. Remember that 12 million SASSA Grant receivers are children and their parents collect their grants. The parents are mostly employed and we can help these families already via the Wage Payment software platform.

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Our strategy will be to approach all four major banks first and ask them to donate the cash deposit fee when our network want to convert cash into vouchers… We will even plan these sessions well. Our strategy is to only ask the banks to help us so that caretakers can exchange funds… We will not within the first meetings talk about SASSA Grant receivers.

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We first want the banks to approve that their systems can be changed to allow one bank account a Free cash accepting service. We will explain that we help poor people in communities who do not have access to internet banking…

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The proposals will be that we plan to accept about R10 million in cash from poorer communities who want to help caretakers… Remember that the banks are financial people… they look at how much they loss when they donate… For a bank to agree to forfeit fees when they accept

R 2 million in cash per month from one bank account will already be a challenge. But possible if they see that we negotiate on behalf of thousands…

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They will be concerned that we need to give feedback to all the people we communicate with regarding the Homecare project.

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It will be devastating for a bank if they are to be earmarked as the bank who do not want to help people in the communities with such a service… hence we need to inform the banks that all the banks are approached at once and we will inform the public which banks are willing to help…

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We will implement the cash accepting service and support caretakers for a period of three months before we approach the banks again…

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We will then say to them…. Guys, we have good news… We decided to help the poorest of the poor as well!

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Readers should know, that if we do this immediately, the banks will know the risks of losing large amounts. We need to think about what can happen… if the 5 million people decides that this option to buy more groceries is a good plan, and they convert R 1 000 per month into vouchers, that the banks will have to accept more than R 5 BILLION per month… This will be HUGE amounts that the banks forfeited in income…

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It is also important to understand that the banks will in theory not take in additional cash into the Cash accepting ATM machines. The SASSA Grant receiver will withdraw for example R 1 000 from his SASSA Card and will immediately bank the same amount into the ATM Machine on the Homecare account. The machine will not take in additional cash. The banks cannot argue that they will have to manage more "cash" to help us in this project.  

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Our task is to work towards the ultimate… The additional R 50 million per month will come in handy if the Department of Social Welfare decides to cut budgets.  

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Round-up action plan on grocery purchases that will push income platform even further!

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Our intention is also to one day implement an action plan where we will ask the public when they purchase groceries if they will be willing to allow the cashier to round-up the change and that the small amounts can be donated to the project.

 

A client’s grocery bill might for example be R1 355.26. We will ask the client if we can round up to the nearest R1. This will result that the cashier will with the press of a button bill the client the balance of R0.74 towards the Enjoy Life project. The total bill will therefore be R 1 356.00.

 

It could result in huge figures if the clients agree to the round-up concept. We might also one day include the round-up concept to either the nearest R1 or to the nearest R5. There will be work involved which include software changes that food companies will have to implement. 

 

We will only implement this action plan after we have been working with the different food supplying companies for at least a year. We do not discuss the Round-up in our role-out strategy. We know that to successfully complete this action plan, we will have to support all the child protection branches in South Africa. It must be a united project to complete this task.

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Additional fundraising drives inside restaurants

 

Our action plan to increase donation income out of restaurants is to systematically encourage waitresses to help raise additional funds. We will eventually offer competitions amongst waitresses where we encourage Enjoy Life app users to rate the waitresses.

 

The development of this section of the phone app is actually part of our plan to get the public involved in rating services of waitrons. Our ultimate goal is to run competitions amongst restaurant staff where we reward the person with the highest “donation income” with exceptional holiday prizes.

 

We know that when people are in a relaxed mood and they had a few drinks, that we might get the waitrons to raise additional funds out of their clients. We develop the software to assist different action plans and we will in future investigate all possible options. It is our task to raise as much funds as possible out of restaurant guests. We will only discuss this action plan with restaurateurs after we have completed a lot of marketing actions for them. We will not implement this action plan without their consent.

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Last focus point = approach Global funds on behalf of Non-Governmental child protection branches

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We hope, pray, trust and believe that we will only need to approach global funds to ask for financial support towards bedridden patients.

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Unfortunately, nobody can predict what will happen in the near future regarding "Social Grants" and if the Department of Social Development will be able to help Non-Governmental child protection branches.

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The only way to address huge challenges will then be to approach Global funds.

 

It will be better if all the different groups join forces and prepare an approach abroad as one team. 

 

It will also be better when these organizations are approached, to include in the business plan different action plans on how the child protection branches work towards being self-sustainable.

 

It is sad to say, but there is no Global relieve fund that will take on the burden to help child protection branches if they do not see that action plans are being formulated to systematically relieve the Global fund from financial commitments.

 

This entire project will have to be implemented, before Global funds are approached. We hope that there will be at least 8 months before such negotiations should start.

 

We however know that God will open the doors if such negotiations are required earlier.

 

The different Head Office teams will be involved with our Global negotiations.

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Additional software development to ensure large user numbers

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Most likely one of the of the most important aspects to focus on is to constantly develop software just to ensure that the software will always remain active.

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The Homecare team understands the importance of advanced software, development and maintenance. We also understand that we will need to keep on employing top IT personnel.

 

The risks will be to much if we stop development and stop planning additional functions that can benefit the software.

 

Child Welfare management teams should know that this IT partnership is not a short-term solution or business plan. There will always be a support team, even after the current board members has changed (within the child protection branches and also pertaining to the Homecare board members).

 

We are already working on planning to include for example a “paperless system”. The idea behind this is to someday dominate the phone app market with functions that will entice the public to be loyal to the Enjoy Life phone app.

 

One function is for example to help the phone user with receipts. The idea is that when the phone user buys groceries or any product from any shop, that the phone user can ask the cashier not to print a till slip for the phone user. The Enjoy Life software will automatically file(store) the specific till slip on a computer file for the phone user.

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The app will only ask if the till slip is for personal purchases or for business purchases. Most companies today scan till slips in at the office to keep an electronic copy of the till slip. The auditors and accountants can then open files electronically if they need access to the proof of payments.

 

The Enjoy Life phone app will even help people to live a more “organized” lifestyle. There are numerous people who do not love admin work…

 

This process will only be possible if we can ensure a large number of phone users. We therefore plan development from the start so that we can be sure we will be able to support more than 20 million users… With a large number of users, it will become easier to implement paperless systems etc.

 

The paperless system might not generate income, but it will be a tool that will ensure stability for child protection branches.

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Homecare IT costs

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The Homecare board allocate 5% of income out of certain streams towards IT development and support. This will be less than 0.45% of the funds that we will manage. We are going to ensure that all our IT partners are actively involved in this journey to help child protection branches. This is a calling that we are working on. Child protection and bedridden patients are important!