About EPF SSIF

A First of Its Kind Closed Loop Investment System

We transform corporate CSI budgets, private donations, and philanthropic capital into self-sustaining township enterprises. Each one verified, GPS-tracked, and independently audited from Day 1.

Who We Are

EPF Sustainable Social Impact Fund

  • A first of its kind closed loop investment vehicle
  • Transforms social spending into self-sustaining enterprise development
  • Every Rand creates a verifiable, GPS-tracked, revenue-generating job
  • Capital doesn't disappear. It reinvests, compounding social returns year after year
Target: R1,000
per verified job created*
Section 18A
Tax deductibility via registered PBO
100%
Audited, GPS-tracked impact accountability

* Projected unit economics based on Township Digital Micro-Enterprise (TDM) asset deployment model. Independently verified outcomes published quarterly from Phase 1 launch.

Social Impact and Enterprise Development

Mission & Mandate

Why EPF SSIF Exists

  • Structural unemployment is a multi-generational challenge
  • Conventional CSI fails: capital deployed once, consumed once, gone
  • EPF SSIF closes that loop with a circular, self-sustaining engine
Evergreen Engine

Social spending is structured as a revolving investment pool. Covenant flows and asset revenues are continuously reinvested, creating a compounding multiplier effect on jobs and enterprise output.

Verified, GPS-Tracked Impact

Every asset is geofenced and monitored via the VSI Platform. Job creation, enterprise revenue, and skills training are timestamped, independently audited, and available in real time.

B-BBEE Optimised Returns

A single Fund 1 commitment simultaneously satisfies Skills Development and SED obligations, generating a 3.5x+ macro-multiplier compared to traditional grant-based CSI. ESD recognition requires an enterprise development loan structure; contact the fund team.

Proof of Concept

135 Mobile Food Carts. Already Deployed. Already Trading.

The EPF SSIF is not asking you to fund a concept. Township Digital Micro-Enterprise (TDM) has already placed 135 mobile food carts across South Africa's township economy. They are deployed, trading, and creating jobs. Right now.

What Fund 1 does is amplify that proven model with your capital, deploying additional GPS-tracked, independently audited assets at scale. Every outcome is reported to you quarterly from Day 1.

135
Mobile food carts already deployed and trading in the township economy
Live
GPS-tracked, Paypoint POS-verified, and independently audited. Not self-reported.
Phase 1
Targeting 100+ entrepreneurs and 10,000 verified jobs from Fund 1 deployment

The Team

People Behind the Fund

EPF SSIF is driven by experienced leaders across fund management, investment strategy, enterprise development, and impact measurement.

Joanna Govender
Joanna Govender

CEO

Dr Blessing Mudavanhu
Dr Blessing Mudavanhu

Director

Ahmed Banderker
Ahmed Banderker

Director

Hlumelo Toyo
Hlumelo Toyo

Analyst

Follow EPF SSIF on LinkedIn

Impact Basket

What Your Capital Deploys

Every contribution is anchored to a tangible, revenue-generating Business-in-a-Box, deployed to a psychometrically vetted young entrepreneur, operational from Day 1.

Mobile Food Cart

Township Economy

DeploymentR50 000
Food Security & Micro-Enterprise
Cell Phone Repair Cart

Township Economy

DeploymentR50 000
Digital Inclusion & Micro-Enterprise
Standardized Production Kit

Creative Economy

DeploymentR20 000
Digital Workforce Readiness
Tap-to-Donate Terminal

Digital & Fintech Economy

DeploymentR3 000
Financial Inclusion

Institutional-Grade Oversight

The Governance Lock

Your capital is protected by multiple layers of institutional safeguards, independent oversight, and asset security protocols designed to eliminate single points of failure.

Separation of Powers
  • Independently managed by Effectus Capital Management (FSCA-regulated)
  • TDM — physical asset custodian
  • Paypoint — all financial transactions
  • VSI Platform — independent data audit
  • The company managing assets never touches the money
Grant Channel: Zero Repayment Expectation

Your donation is deployed as a grant to verified township entrepreneurs. It is not a loan and carries no repayment expectation. The governance model ensures 100% of deployed capital reaches its intended beneficiaries, tracked, audited, and reported to you quarterly.

Capital Flow

How Your Capital Moves Through the Fund

Four independent agreements govern every step of the journey. No single entity controls the full stack.

Agreement 1

Donors

Corporate CSI, private and philanthropic capital enters the ring-fenced structure

Agreement 2

EPF Foundation (PBO)

Section 18A registered. Ring-fenced receipts and full compliance oversight

Agreement 3

SSIF

Managed by Effectus Capital Management under an independent governance committee

Agreement 4

Deployment

QWC advisory and TDM township asset deployment. Outcomes independently verified by VSI Platform

Agreement 1

Donors

Corporate CSI, private and philanthropic capital enters the ring-fenced structure

Agreement 2

EPF Foundation (PBO)

Section 18A registered. Ring-fenced receipts and full compliance oversight

Agreement 3

SSIF

Managed by Effectus Capital Management under an independent governance committee

Agreement 4

Deployment

QWC advisory and TDM township asset deployment. Outcomes independently verified by VSI Platform

Partner Ecosystem

Built on Specialised Custodians

EPF SSIF separates every function across purpose-built partners. No single entity controls the full stack, eliminating conflicts of interest and single points of failure.

Effectus Capital logo
Effectus Capital Management

Fund Manager / FSCA-Regulated Asset Manager

Effectus acts as the official, FSCA-regulated financial services provider and asset manager for the ecosystem. While the initial donor channel (Fund 1) focuses on pilot deployments, Effectus steps in to provide the heavy institutional-grade governance, compliance, and fiduciary oversight necessary for Fund 2. They are responsible for managing commercial capital allocations, ensuring strict portfolio risk management, and maintaining investor reporting structures that satisfy traditional asset managers and DFIs.

Queensway Capital logo
Queensway Capital

Corporate Finance Advisor & Strategic Activation Partner

Queensway Capital operates as both the structural architect and the execution engine for the fund. On the advisory side, they structure the commercial architecture, manage capital-raising strategies for institutional target tranches, and ensure absolute compliance with institutional investment mandates. As the strategic activation partner, they lead the mobilization of the partner ecosystem, coordinate high-level stakeholder engagement, and oversee the execution frameworks to ensure the operational model successfully scales into a live, high-volume transactional platform.

TDM logo
Township Digital Micro-Enterprise (TDM)

Primary Operational & Technical Implementation Partner

TDM is the critical boots-on-the-ground operational vehicle responsible for the physical and technical management of the asset kits (mobile food and cell phone repair carts), overseeing day-to-day deployment, operator onboarding, and supply-chain logistics.

Paypoint logo
Paypoint

Fintech Infrastructure Partner / “Digital Lock” Enforcer

Paypoint provides the hard-coded technology infrastructure that drives the fund's entire accountability narrative, deploying smart Point-of-Sale (POS) terminals attached to each Business-in-a-Box unit. Separated from asset management and audit.

ENS Africa logo
ENS Africa

Legal Counsel

ENS Africa acts as primary legal counsel responsible for corporate structuring, regulatory compliance, and commercial contracting. They draft all governance documents and ensure that automated cash routing and digital compliance structures align with South African statutory laws.

Get in Touch

Ready to Put Your Capital to Work?

Speak to the fund team about CSI structuring, private donations, or institutional investment opportunities.

Fund Manager

Effectus Capital Management

011 883 0292/94

info@effectuscapital.co.za

www.effectuscapital.co.za

Advisor

Queensway Capital

021 180 2936

V&A Waterfront, Cape Town

Illovo, Sandton, Johannesburg

Fund Contact

EPF Sustainable Social Impact Fund

011 084 1100

info@epfssif.co.za

www.epfssif.co.za

Common Questions

About EPF SSIF: Frequently Asked Questions

Answers to the questions investors and donors ask most.

  • Traditional charity: capital deployed once, consumed once, impact unverifiable
  • EPF SSIF: capital enters a closed-loop engine that reinvests continuously
  • Every outcome is GPS-tracked, timestamped, and independently audited
  • You receive a proof of impact — not just a receipt

  • Effectus Capital Management — FSCA-regulated fund manager
  • TDM — manages physical assets (never touches money)
  • Paypoint — handles all financial transactions
  • VSI Platform — independent data audit and verification
  • ENS Africa — independent legal oversight on governance committee

  • SSIF 1 (Active Now) — Donor channel. Section 18A eligible. No financial return. For CSI, B-BBEE, private donors, and philanthropic institutions.
  • SSIF 2 (Q1 2027) — Investment channel. FSCA-aligned | Managed by Effectus Capital Management (FSP licensed) | Fund regulatory approval in process. Designed for institutional capital, pension funds, and impact investors seeking financial returns alongside ESG impact.

  • Contact Queensway Capital (our Strategic Activation Partner) at 021 180 2936 or www.queenswaycapital.co.za
  • Or reach the EPF SSIF fund directly at info@epfssif.co.za
  • Schedule a B-BBEE scorecard mapping session or impact briefing
  • Visit the Fund 1 page or Contact Us to begin