Nick Price Zimbabwe Golfer

NAME: Nick Price
AGE: 53

OCCUPATION: Golf pro whose wins include 18 PGA Tour championships. Ranked as the world’s #1 player in the mid-nineties. Also, golf course designer.

HOME: Lives in Hobe Sound, Florida., with wife Sue. Three children.

Nick Price was born in South Africa to English parents who moved the family to Rhodesia when Price was very young. Price would become a citizen, even serving in the Rhodesian Army during that country's civil war (from which it emerged as Zimbabwe).

An older brother introduced Price to golf, and Price ran with the new game. As a junior, he dominated in his native country. At age 17, Price traveled to San Diego, Calif., where he won the Junior World Championship.

Price turned pro at the age of 20 in 1977. He played the European Tour in those early years, claiming his first victory at the 1980 Swiss Open. He won four more times on the Euro Tour in 1982, then joined the U.S. PGA Tour in 1983.

He experienced immediate success, holding off Jack Nicklaus to win the 1983 World Series of Golf. It was 8 years before Price won again on the PGA Tour, but when he did, he emerged as one of the best players in the world.

Price won the British Open in 1992. In 1993, he won 4 times in the U.S., led the PGA Tour in money and won the Vardon Trophy for low scoring average. In 1994, Price won his second British Open, plus the PGA Championship.

Price was a short hitter off the tee, but his fabulous iron play and clutch short game kept him at or near the top of the golf world for several more years. In 1997, he won his second Vardon Trophy on the PGA Tour.

Price hasn't won a major since 1994, but remains highly competitive. He has represented the International team at the Presidents Cup in each staging of that event from 1994 to 2003.

Price flies his own jet plane to and from tournaments. 

In 1997, Price published the instructional book, "The Swing" (compare prices).

Nick Price was inducted into the World Golf Hall of Fame in 2003.

Awards and Honors:

• Member, World Golf Hall of Fame
• PGA Tour money leader, 1993, 1994
• PGA Tour Vardon Trophy (scoring) winner, 1993, 1997
• PGA Tour Player of the Year, 1993, 1994
• 5-time member, International team, Presidents Cup

Private Jet Lifestyle

In a career that began more than 30 years ago and has included tournament wins on five continents, golf pro Nick Price has been the embodiment of the international player. Born in South Africa and raised in Zimbabwe, the now 53-year-old father of three started competing on the so-called Sunshine Tour in his native land in 1977. In time, he moved on to the European PGA Tour, and then in 1983 Price joined the PGA Tour, beating Jack Nicklaus in his first year on that circuit to capture the World Series of Golf.

Price didn't win another Tour event for eight years. But when he did, he began a run that soon led him to the pinnacle of the golf world. Price won his first major in 1992, taking the PGA Championship, and followed that with four victories during the 1993 season and six in 1994, including the British Open and that year's PGA. Those performances helped him become the top-ranked player in the world, and he was twice named the PGA Tour's Player of the Year. During his career, he amassed more than $20 million in tournament winning, and in 2003 he became a member of the World Golf Hall of Fame.
All told, Nick Price won 18 times on the PGA Tour. But that tells only part of his golfing story, for he also prevailed in 28 other professional events, in places as far-flung as Morocco, Japan, Switzerland and Australia.

Not surprisingly, Price turned to private jet travel as his schedule filled with commitments to play in those international tourneys. His first airplane was an IAI Westwind, which he bought just as his career was heating up in 1993. Then he purchased a Lockheed JetStar 731, which coincidentally had been owned by his friend and fellow Hall of Famer Greg Norman. Price used the JetStar for six years, and upgraded again in 1999, acquiring a Gulfstream III.

He sold his GIII in 2006, when he began to curb his international play, and bought a fractional share of a Cessna Citation Excel. That change, however, has done nothing to dampen his enthusiasm for business jet travel. 

What was it that drew you so deeply into private jets?
They made my travel so much easier. That became even more important by the time I started doing really well on the PGA Tour in the early 1990s and began playing a lot overseas. I bought the JetStar and eventually the GIII because they were capable of taking me wherever I wanted to go abroad.

Why did you play internationally so much?
In part, it was because I was from Southern Africa and wanted to play at least three or four tournaments there each year. I also enjoyed competing on the European PGA Tour and over in Japan and Australia. In my heyday, I probably played 20 events a year in the U.S. and as many as 12 overseas. So, making sure I had a good way to get around was very important to me.

What did you like most about owning those jets and traveling that way?
Obviously, the convenience and comfort were a big factor. I could arrive at tournaments fresh and ready to play. It was also great for my family. Flying privately made it easier for my wife, Sue, and me to bring our children around when they were young.

Why did you sell the GIII and get into fractional ownership?
I stopped playing overseas. Once I did that, I told Sue it was time to sell the plane. 

You used to do a bit of flying yourself, didn't you?
I had about 150 hours in a single-engine plane, a Cessna 172, and also had some time in helicopters. But these days, I leave the flying to others.

How do you use your Citation Excel share?
I buy 90 hours [a year] through CitationAir, and I use that to travel to some of the Champions Tour events I play in every year, and also for the golf course architecture business I started. Occasionally, I will also charter when the situation dictates. Like a trip we recently took to Mexico for two days. It was easier chartering a plane for two days so the pilots could spend the night down there with us.

What are you doing competitively these days?
I play 18 to 20 tournaments a year on the Champions Tour. I wasn't sure I was going to enjoy it. But once I turned 50 and got out there, I found it was all I wanted it to be and more. I am playing golf for fun, and I am really enjoying it. The fields are smaller, the guys out there are the ones I grew up playing with and admiring, and for someone like me who is on the back nine of his playing career, it is a more social, more entertainment-based tour. We all feel we can still play pretty well, and we all have a pretty good time doing it.

How have you done on the Champions Tour?
I've done all right. I won my first tournament there in 2009, the Outback Steakhouse Pro-Am, and I've made a little over $1 million in prize money each of the last two years.

Did you ever think of giving up competitive golf once your time had passed on the regular PGA Tour?
I really wasn't sure how much I did want to play after the 2005 and 2006 seasons. I didn't play well, and truth be told, I had gotten burned out a bit. The best way to explain it is that after that period in the 1990s when I played so well, I really ran with it. I played a lot of golf, and it just wore me out after a while. 

So how much are you playing these days?
I'll compete in as many as 20 Champions Tour events in 2010, and probably three or four other tournaments—unofficial events like the Shark Shootout and the CVS Charity Challenge. I'll also do maybe seven or eight sponsor-related events a year.

How else do you occupy your time?
My golf course design business takes up about half my time. Actually, it is probably my biggest love right now. I do two or three courses a year, and I am going for a boutique-style operation. If you do multiple courses in a year, as some guys do, it is difficult to be in control because you need so many people to do your work for you. By limiting myself as I am, I can be really hands-on. I can spend three or four weeks on-site during construction.

How many courses have you designed?
I am working on my 25th and 26th, both of which are in Mexico. I worked with co-designers on my first 18 projects, so I could get as much of a grounding in the business as possible. Then I broke off to go completely on my own. 

Do you have a favorite tournament win as you look back at your career?
Probably the British Open in 1994. That is such a special tournament, and even more so to me after coming so close to winning in 1982 and 1988. I finished second both those years, to Tom Watson and Seve Ballesteros, and I never thought I'd win it. So, it meant an awful lot to me. Holding up the Claret Jug was something I will never forget.

Speaking of the British Open, have you given any thought to entering that tournament again after watching Tom Watson almost win it last year at age 59?
If I could take my game up a notch, particularly my putting, I'd probably think of going back there. But right now, I am just not good enough, and I'd far rather give my spot to someone who has a better chance of winning. But you never know what can happen down the road. The way I figure it, I have three or four good years of playing left, and I'd go back to the British in a second if I thought I was capable of competing. 

What would it take to make you feel that way?
I'd need to become a multiple winner on the Champions Tour, maybe three or four events there to even consider going back to the British.



Speaking of the British Open, have you given any thought to entering that tournament again after watching Tom Watson almost win it last year at age 59?
If I could take my game up a notch, particularly my putting, I'd probably think of going back there. But right now, I am just not good enough, and I'd far rather give my spot to someone who has a better chance of winning. But you never know what can happen down the road. The way I figure it, I have three or four good years of playing left, and I'd go back to the British in a second if I thought I was capable of competing. 

What would it take to make you feel that way?
I'd need to become a multiple winner on the Champions Tour, maybe three or four events there to even consider going back to the British.

Delma Lupepe Zimbabwe Entrepreneur

Today we feature Delma Lupepe, one of Zimbabwe's successful businessman who has helped create employment and sustain the livelihood of fellow Zimbabweans.


He is one of the richest men in Zimbabwe and “he has seen it all and done it all”, but the now repentant and God fearing Delma Lupepe, revealed that he would rather have God than money because at the end of the day, all his riches are vanity.

In an exclusive interview, Lupepe who is a devoted Seventh Day Adventist revealed that his money never brought him peace and a comfortable life until he accepted Jesus as his personal Savior.

“I have money, not that I am boasting, I am only stating a fact and through my money I have seen and done it all, there is nothing you can tell me about life. There is nothing that I have not done but I am not proud of it. I have been all over the world, stayed at the most expensive hotels, some of the suits I have cost me 30 000 to 40 000 Rand. I have driven almost every version of the Mercedes Benz and almost every car. Right now I have two Porsche models, a Boxster and a 911 which if I am not mistaken is the only one in Zimbabwe, but its all nothing and it does not give me joy.


Right now I have two Porsche models, a Boxster and a 911 which if I am not mistaken is the only one in Zimbabwe 

“And I have dated numerous beautiful women but I can tell you I never got any peace or satisfaction from that. I want people out there to know that all that glitters is not gold. It is better to live a humble and sinless life than to have riches that will lead you to death,” said Delma.


Lupepe, who is the owner of Maydeep Investments, which incorporates Merspin, Gloweave and Ascot Clothing Company, likened his life to that of the Biblical prodigal son who asked for his inheritance from his father and went away to a far-away country to squander it all.

“Just like the prodigal son, I was a youth with money and I used it wrongly. I was a slave to sin and like many youths of to day I believed that life was one big party but its more than that. So I am saddened by what the youth aspire to be. Frankly they should know that quality life is not in money, money does not bring any peace – peace comes from knowing God. All the other things are vanity, Solomon was one of the richest and best-dressed men but he admitted that the lilies on the ground were better than him.

“Don’t misunderstand me, God wants us to be prosperous and rich, he has plans for us, plans of prosperity not of harm. But we should know that riches come with responsibility, the prodigal son was irresponsible and I was irresponsible but I am glad that like him I found my senses.”

Delma believes that God gave him money not to buy cars and other worldly material but to use it as a vehicle to preach the gospel.

He said: “I used to hire a private jet from South Africa to come and pick me up for a shopping spree in Johannesburg. I had money but just like the prodigal son, my riotous spending meant I was eating with pigs. That was foolish, now that I am back in my father’s house. I use my money to spread the Advent message and to build churches. Not to buy worldly things, which are worthless at the end of the day.





He said: “I used to hire a private jet from South Africa to come and pick me up for a shopping spree in Johannesburg. 










“Whatever we do in life we must put God first. I thank God for knocking sense into my head before it was too late.”

Asked to reveal the event that led him to repent, Delma refused to divulge his life altering experience, but said: “I repented when I found myself in a situation that made me realise that God does exist.”

However, it is believed that one of the reasons why Delma sought God was an incident in which he escaped a kidnap and car-jacking attempt by a group of armed robbers in North End in 2002. He was also involved in a number of car accidents in which he believes that he was lucky to survive.

Delma added that God always had good plans for him that hinged on his repentance, revealing that one of the blessings he has received is his wife Abigail Lupepe who is a dentist.

“Some people are unfortunate that when they were wild, diseases such as AIDS and even death caught up with them. But God smiled on me even when I was still in the wilderness and he gave me a beautiful wife who I love dearly. A good wife comes from God and I encourage the youth to wait on the Lord and he will definitely send them the showers of blessings.”

He reiterated that God is always “looking for an excuse to do good things for us but we have to come back home for that to happen. If you want an education or employment it all belongs to you the secret is to accept God. And after accepting God you have to give him his tithe and offering. People think it’s a form of extortion but in reality it is a way of recognising that everything you get is from God. And if you are faithful with that he will look after you, at the end of the day tithe is only 10 percent of your earnings.”

Delma also took time to urge the youth to respect their parents and elders, unlike the prodigal son who disrespected his father by asking for his share of the inheritance before his father’s, because “failure to respect parents is a sign that you do not respect God.”

Lupepe is famous for his role in turning the Zimbabwe Premier Soccer League (PSL) into a semi-professional league. He introduced incentives for Amazulu Football Club players such as monthly salaries, medical aid, bonuses, training and camping allowances at a time when most clubs just paid winning allowances or salaries based on the number of games played per month.

Mthuli Ncube Chief Economist and Vice President of the African Development Bank


Mthuli, Ncube

                                                                                Professor Mthuli Ncube is the Chief Economist and Vice President of the African Development Bank, and holds a PhD in Mathematical Finance from Cambridge University, UK, on “Pricing Options under Stochastic Volatility”.  As Chief Economist, he oversees the Economics Complex, which is focused on the process of knowledge management within the bank and with its partners, and general economic strategic direction of the bank. In this regard, he looks after the Development Research Division, Statistics Division and African Development Institute, all of which are headed by Directors who report to him. That is, knowledge generation, knowledge acquisition, knowledge dissemination, and knowledge sharing, and capacity-building. As a Vice President, he is a member of the senior management of the Bank and contributes to its general strategic direction.
Before joining the Bank, he held the post of Dean of the Faculty of Commerce, Law and Management at the University of the Witwatersrand (Wits), Johannesburg, South Africa, and before that was Dean and Professor of Finance at Wits Business School.  He led Wits Business School to a point where it was rated at 45 globally by the UK Financial Times in 2007.He has extensive experience as an Investment Banker, and was founding Chairman of Barbican and Selwyn Capital, which are involved investment banking.
Prof Ncube was also a regulator, and served as a Board member of the South African Financial Services Board (FSB), which regulates non-bank financial institutions in South Africa.
He is also Chairman of the Board of the African Economic Research Consortium, a network that develops economists in Africa, with which he has been associated for the last 20 years.
He is also Chairman of the Global Agenda Council on “Poverty and Economic Development” (World Economic Forum).
Prof Ncube is also a Governor of the African Capacity Building Foundation.
Previously, Professor Ncube worked for INVESTEC Asset Management as a Portfolio Manager and Head of Asset Allocation Strategy.  He also managed Investec’s Global Managed Fund, an offshore umbrella-fund registered in Ireland.  The fund had five other funds under it with investments in US, Japanese and European Equities, bonds and money markets.

Prior to joining the corporate sector, Professor Ncube was a Lecturer in Finance at the London School of Economics, UK, where he taught and supervised undergraduate and graduate students in finance and investments, and general theory of asset pricing.
He has published widely in the area of finance and economics, and some of his papers have won awards.  Some of the papers have been published in international journals such as the Journal of Econometrics, Journal of Banking and Finance, Mathematical Finance, Applied Financial Economics, Journal of African Economies, among others.  He has also published 4 books, namely: Mathematical Finance; South African Dictionary of Finance; Financial Systems and Monetary Policy in Africa; and Development Dynamics: Theories and Lessons from Zimbabwe; and a book manuscript on Finance and investments in South Africa.
His interests are in golf, reading and painting. He is married to an Engineer with whom they have 4 children.






Charles Nyakurwa Social Entrepreneur

Charles Nyakurwa, founder of Deaf Hands @ Work, is recognised for his training and job creation programme with the deaf community.

Imagine living in a world where you are silenced and outcast – with no common language, limited means of income, and no way to connect with your peers. According to Charles Nyakurwa, this is the reality for many deaf people living in South Africa today.




Training and job creation for the deaf


Charles has been chosen as the latest UnLtd South Africa award winner for his social enterprise, Deaf Hands @ Work based in Masiphumelele, Cape Town. His project offers training and job creation for the deaf community using South African Sign Language (SASL) to bridge the communication gap. Alongside creating employment opportunities, Charles’ dream is to promote community awareness and break down social barriers for people living with disabilities.


UnLtd South Africa has recognized Nyakurwa for his determination to make a powerful social impact in the deaf community. The award consists of a package of financial and non-financial support to the value of R50 000. UnLtd South Africa’s latest competition, which was launched earlier this year, saw a variety of promising applicants causing the judging panel to deliberate long and hard before choosing Charles – proof that the social enterprise sector is growing and gaining momentum in the Western Cape.


According to Louise Willington, CEO at UnLtd South Africa, Charles was given the award by the judging panel because of his passion for his cause and because he is doing something practical to change the world for the deaf community. “Charles is extremely enterprising, you can see that throughout his life, and his experiences growing up have created his desire and commitment to change mindsets around disability. We look forward to supporting him and seeing Deaf Hands @ Work blossom into an established social enterprise,” says Willington.


Unlimited Support


UnLtd South Africa is a nonprofit organisation that finds, funds and support social entrepreneurs, using a model developed in the UK that has spread to India and Thailand. UnLtd South Africa seeks to help early stage social entrepreneurs on their journey by providing financial grants, mentorship, training and networking opportunities. Charles is the latest of a series of award winners who are celebrating success in the Western Cape thanks in part to UnLtd South Africa’s support.


A born entrepreneur


The definition of a self-made man, Charles grew up in Zimbabwe and had a successful academic career despite being orphaned at age 7. Through his youth he was involved in entrepreneurial endeavours and ran a small shop to put himself through school.


Growing up with his younger brother, who is deaf, had a major influence on his outlook on the world and his attitude towards business. The family did not have access to the appropriate equipment to measure the full scale of his brother’s hearing loss that made it impossible for him to get the quality of care and education needed for a young child with a disability.


Frustrated by the fact that his younger brother, a bright boy who is full of hopes and aspirations just like him, was ostracized purely based on being deaf – Charles made it his mission to break the silence and affliction of the Deaf Community.  Unfortunately, a lack of resources and care for the disabled is not uncommon. Nearly 1.8 million South Africans are deaf or hard of hearing and a shocking 75% of deaf people are illiterate. Charles’ background in economics gave him the vision to create a business that could begin to solve the problem.


Mission


Deaf Hands @ Work was officially launched in December 2011. Its mission is to create employment for skilled and unskilled deaf individuals, irrespective of racial denominations and nationality. The long-term goal is to create a strong, motivated, qualified workforce from previously unskilled and semi-skilled people with disabilities. Charles aims to eventually achieve prime status as a disability brand with DHW offices spreading throughout South Africa’s nine provinces.


According to Charles: “Just one employed competent deaf individual can change the entire community reframing how people perceive disability as an inability. He or she can be a role model to a deaf child and a source of valuable inspiration.”


For more information go to www.unltdsouthafrica.org

Meddy Matshalaga Three Gem Gold Mines


Mining has been identified as one the key drivers of the local economy and Meddy Matshalaga is one of the few women operating a mine. 


She is the executive director of Three Gem Gold Mines in Zvishavane and chairs the Licensed Gold Buyers’ Association of Zimbabwe. 


ND: Can you give us a brief background of your company?


MM: Three Gem Gold Mines started at the end of 2007. We started serious operations in 2008 when things were really tough during the Zimbabwe dollar era. The mine started with what you call custom milling (stamp mill) for small-scale miners in Zvishavane where we provided a service to small-scale miners who brought their ore for grinding to produce gold. We began to do mining at very low scale and, later, we received a buying and selling licence. 


The company was established with $40 000 savings from my Development International consultancy business. I used the money for construction, bought transformers and a stamp mill.


ND: What motivated you to get into this line of business?


MM: I think two things happened. Initially, it was because I just wanted to have another business in case I got tired of working formally, but the real thing that really motivated me was some time back, I think in 2007, the Ministry of Gender and Woman’s Affairs hosted a field day in Zvishavane where I participated. 


It was at that time the Reserve Bank of Zimbabwe used to do a lot of mining in Zvishavane and worked with rural women, pounding and processing gold. So it was mainly woman labour. I loved seeing women participating, but I felt it was too much work for them on one hand, but on the other, I realised women could contribute to the economy in a positive way.


ND: How have you managed to get to where you are today?


MM: It has been a long story, I guess. I don’t know whether I can call myself somebody who has made it. But I think it is through hard work by somebody who had a passion for the sector. The sector is very active once you are in it, so you want to continue. However, I think the most important thing is to put some professionalism into the work. 


ND: What is your opinion on the mining industry and general performance of the gold sector?


MM: I would say the mining sector is one of the key drivers of the economy. Gold is also one of the major minerals contributing to the export market and I am sure the gold sector will surpass the target of 13 tonnes anticipated by year-end.


We have had a favourable environment given Europe is struggling and prefers keeping its wealth in gold. This has encouraged a lot of production in the sector, but again I think the sector is not really being fully maximised. There is need for more resources and technological know-how on gold extraction.


ND: Given that there are very few women in mining, what are some of the challenges you face?


MM: The mining sector is heavily dominated by men even in extraction itself. Women need to be educated even in little things such as how to register a mine and how to handle labour issues. At times women get cheated to get some of their work done. There are, however, a number of women working hard and doing well.


ND: What advice can you give to other entrepreneurs who are in your line of business?


MM: The secret to running a business successfully for a long period of time is by running it professionally.
Such issues as employees and banking are critical for a successful business.


The most important thing is to comply with the regulations of the country. If you are playing football understand what is wrong and what is right. Comply with the laws, labour law and Zimra (obligations). Just comply from A to Z. When you comply you don’t need to worry. You get visitors at your premises.
Let us toe the line in all respects 


ND: What do you think should be done to improve mining in Zimbabwe?


MM: Small-scale producers need support so that they can maximise their potential. They need access to compressors and education on how to grow their businesses.


If all miners could comply and contribute the relevant taxation they owe, then the economy will do very well. Look next door in Botswana, they are doing well as a country as their revenues are being channelled towards development through the construction of schools, roads and hospitals, among other infrastructure.


ND: What are your future plans?


MM: My future plan is to add value to the Licensed Gold Buyers Association of Zimbabwe (LGBAZ). We want to make it efficient and grow the association to enable it to provide services to its members so they can run their businesses professionally.


The growth of good practices by members will enable a significant contribution to the fiscus. We recently made an application for LGBAZ members to be allowed to export their gold so they could enjoy benefits of economic liberalisation.


(c) Newsday

July Ndlovu Director at Anglo Platinum


July Ndlovu Director at Anglo Platinum

BSc (Honours) (University of Zimbabwe), MBL (Unisa), CSEP (Columbia), BLP (Duke Corporate Education)

Executive head: Process  at Anglo Platinum.Sitting on the executive committee of one of the world’s biggest multi-national mining companies

July graduated in Engineering and Business Leadership from the universities of Zimbabwe and South Africa respectively, and completed the Senior Executive Programme with Columbia Business School. He was previously employed in Zimbabwe by Anglo American Zimbabwe subsidiaries, where he held senior managerial positions in metallurgicaloperations and technical services. He transferred to Anglo  Platinum in 2001, was initially appointed business manager  of Polokwane Smelter, and later became head of process  technology. In September 2007 he was appointed executive head: process at Anglo Platinum.
Sitting on the executive committee of one of the world’s biggest multi-national mining companies, July Ndlovu, refuses to let power go to his head.

“I am no different from the ordinary man on the street and I would not call myself a successful person,” he says with true humility. “I am just an ordinary man working very hard and I have been pretty fortunate to have the opportunity to work with people who believe in me.
If the truth be told, there are many other people who are as qualified as I am and others who are brighter, but are still nowhere near where I am now.”

In his fourth year as Executive Head of Process, Member of Executive Committee and Member of Operations Committee at Johannesburg Stock Exchange-listed Anglo Platinum Ltd, Ndlovu (45) is one of very few blacks to hold such a post in mining here.

How to be a Millionaire

With Anglo-Platinum being the world's leading primary producer of platinum group metals and accounting for about 40 per cent of the world's newly-mined platinum, Ndlovu’s phenomenal rise up its ladder cannot be downplayed, even by the man himself.

Ndlovu, who graduated in Engineering and Business Leadership from the Universities of Zimbabwe and South Africa respectively, and completed the Senior Executive Programme with Columbia Business School, is also the Chairman of Anglo’s Zimbabwean subsidiary, Unki Platinum, which resumed operations late last year.

Cause for celebration
As the interview continues, Ndlovu begins to admit that his status in business is something out of reach for an ordinary man. His rise from a boy born to a poor peasant family in dusty Shurugwi, Zimbabwe’s Midlands province, is real cause for celebration, a great inspiration to every Zimbabwean, and indeed most Africans.
“I enjoy being in business, making money for my shareholders, but I love more the fact that things that I do, such as the company’s social responsibility, make a difference in society,” he says.
“Platinum group metals have gone a long way to solve some of the society’s most intractable problems and being part of that makes me happy.”
Ndlovu gives credit to his poor parents, who kept him on the straight and narrow and believed in the last-born of the family of six.
“In poor families, more often than not, the hopes and aspirations for children is quite limited. But I was fortunate to be born to parents who found it within themselves to believe and hope that their son could do something much more than they had done themselves,” he says.

Simple faith
“I learnt that if you dream that you can be something else in life, if you literally see beyond the horizon of the naked eye, have simple faith and believe in your dreams – you can achieve great things.
“Each one of us was born with a gift to be the very best that we can be. I realized that and worked through it and always had the feeling that I should make better my today than my yesterday. I also sought and got God’s blessings on my side.”
Ndlovu has worked for Anglo-Platinum for most of his life, having had stints at ZimAlloys, Zimasco and Bindura Nickel Corporation, before migrating to South Africa in an intra-company transfer in 2001.
He served as Business Manager of Polokwane Smelter and also as its Head of Process Technology, before he rose to his present post in September 2007.
He still has high hopes for his home country. Unki’s operations are part of his grand plan to get Zimbabwe working again.
“It is pleasing to employ local people, contribute to local economy and exploit resources for the common good of the Zimbabwean people.”

And the best way for a child to lay the foundation for a decent future?
“Education, education, education,” emphasizes Ndlovu.
“I would like to advice the youth to take their education seriously because it is the only way through which they can open doors to opportunity. To be able to play the game, you need to first get the ticket and get in, and then you can start thinking about playing the game.”
Ndlovu also has advice for Zimbabweans in the Diaspora and great predictions for Zimbabwe’s economic prospects.
“Getting a chance of a breakthrough will always be difficult in a foreign land, but there are still vast opportunities opening up in Zimbabwe, which we should take advantage of,” he says.
“Instead of killing ourselves trying to find work in foreign lands, we should go back and leverage the skills we have acquired outside. Every Zimbabwean who has lived outside the country has learnt something valuable that they should consider giving back to their country. I have met teachers who have become nurses and engineers who have become managers of Zimbabweans in the Diaspora.

“Zimbabwe will reclaim its place as one of Africa’s best economies, but that will take willingness, determination and selflessness on the part of our leaders. Political divisions will not take us forward but only drag us down. We need to stand together as Zimbabwean people to make progress. Thank God we are not sinking any more.”

(c) The Zimbabwean

Tawanda Nyambirai TN Holdings







A person must be motivated by the joy to provide good services and be inspired by the importance and relevance of their job or business towards the betterment of their country. This is the same kind of desire that drove one of the movers and shakers in the corporate world to become one of the top achievers in the banking and corporate finance sector. It brings to mind the words of the Nigerian Christ Embassy Pastor Chris Oyakhilome who said: "You may be a trader, cleaner, teacher, civil servant or a chief executive, no matter the job or business you do, let your goal be to render service. And that way your greatness will be inevitable."
At 40, Mr Tawanda Nyambirai the TN Holdings boss has managed to achieve what most could have considered impossible for someone who is a lawyer by profession. How can a lawyer make a breakthrough in the complex banking sector? His secret is that of treating his customers as kings as he makes it his business to know what customers need and then reaches out to meet those needs.
He is the major shareholder in TN Holdings through his investment vehicle Nyambirai Associated Trusts. TN Holdings is the holding company for TN Financial Services (Pvt) Ltd, TN Asset Management (Pvt.) Ltd, TN Microfinance and TN Harlequin- a furniture division.
To meet people's needs, Mr Nyambirai saw it fit to bring the banks to the people and not the other way round. That is the reason why he places most of his banks in clothing shops, furniture and grocery outlets like Greatermans and Meikles to make it more convenient for the customers. The down-to-earth father of eight would rather describe himself as " a sinner saved by grace" as he is human and makes mistakes like any one of us. "I usually don't like talking about my personal life as there is a temptation to talk about the good and leave out the bad. "Mostly when I say I am a Christian people tend to build an image of me and half the time they forget that I am also human like anyone else who makes mistakes." he said. A staunch Warren Buffet fan, the TN Holdings Limited chief executive is inspired by the billionaire's investment principles.
He however, does not believe in having a mentor because he says it tends to elevate an individual and model someone as an example that is worth being followed. "I believe in genuine friendship and fellowship from whom I can learn and who can learn from me as well. Friends do not speak down on me but they are there to encourage me," he said. The Apostolic Faith Mission follower is motivated by the desire to change lives and assist the less privileged and make others avoid the pitfalls he fell into. Mr Nyambirai is motivated by love and focuses more on what he wants tomorrow to be like.
"I'm not building a business for today but I am modeling it in what I want to see it being tomorrow. As other banks are retrenching I am actually going against the grain as I am recruiting people because I know that the future of banking needs one to have skilled staff," he said.

Challenges are not meant to destroy you, they are meant to groom you and it takes self-confidence, discipline and focus to be an achiever, said the staunch Dynamos supporter.
Mr Nyambirai said that during the hyperinflation era many Zimbabweans lived like there was no tomorrow but on their part they remained conservative and knew that there was a tomorrow that required them to work hard. The lawyer-cum-businessman who was born in the farming community of Lalapanzi did his primary and secondary education in Chiungura in Gutu and A-Levels at Chibi High School. He went on to attain a law degree at the University of Zimbabwe in 1992 and he also holds a certificate in International Conflict Resolution studies from the University of Uppsala in Sweden. Mr Nyambirai comes from a broken family of 16 and is happily married to Ketty Nyambirai.
Mr Nyambirai described 2010 as a "good and blessed" year for him and his organisation as he was named the Zimbabwe National Chamber of Commerce Harare regional and national businessman of the year award. His company was also awarded the best commercial exhibitioner at the Harare Agricultural Show. In December last year, Mr Nyambirai won an international prize in Geneva, Switzerland, known as the Platinum Technology award for quality and best trade name.
He also got a "special award" from Tsitsi and Strive Masiyiwa for being an individual who was most supportive of the charitable activities they carry out. The successful businessman reflects with a lot of pride to the law practice that he built since it delivered value to his clients who still have fond memories of him.
Mr Nyambirai said he was particularly proud of his achievement as part of the legal team that successful led NMB Bank to dually list on the Zimbabwe and London Stock Exchanges.
He said that he managed to create a thriving bank because he had been patient for eight years since 2001 and put all his strength in building a bank that will not be short of capital.
"From humble beginnings in 2001 TN Financial Services offered advisory services and we used it as a platform to build capital to start a bank. "We preserved the capital and kept little in cash therefore suffered little losses during hyperinflation," he said. TN Bank was among some of the banks that satisfied Reserve Bank of Zimbabwe minimum capital requirements way before the deadline last year.
He added that in a few years his bank expected to have one of the largest branch networks in the country as they were expecting to have more than 32 branches and most of these will be in Econet and Meikles shops by June this year.
I'm no Masiyiwa front
TN Holdings founder and chief executive, Tawanda Nyambirai has insisted that he is “his own man”, dismissing speculation that he was a front for thenon- telecoms business interests of South Africa-based mogul, Strive Masiyiwa.
Nyambirai founded TN Financial Holdings in 2001 and engineered the group’s listing on the Zimbabwe Stock Exchange in 2010 through the reverse take-over of furniture manufacturer and retailer, Tedco Limited.
In addition, Nyambirai also chairs the Zimbabwe operations of Masiyiwa’s Econet Wireless while the telecoms entrepreneur has also become a key shareholder in the fast-expanding TN Holdings.
However, while admitting that it would be an honour to be a “front” for Masiyiwa, Nyambirai insisted that this was not the case.
“If there is anybody I would love to front for it is Strive Masiyiwa … it would be an honour,” Nyambirai said in an interview.
“Masiyiwa (is) an honest, generous, kind and humble man. He declared that his first (Econet Wireless) dividend after profit would go to charity and when he realized it he did just that and I personally distributed the money and would manage it for him and give it to charity so I know he kept his word ... he has educated over 40 000 orphans in Zimbabwe.
 “So for people to say I am a front for him is a compliment and a privilege! But he is a shareholder and he is known and cited everywhere in the records as a shareholder at TN.
“People who do fronting deals do not do that. They are unknown in the background as the fronts play the role of owner. He would have been in the shadows.”
Nyambirai said Masiyiwa became a key shareholder in TN Holdings after the Reserve Bank of Zimbabwe (RBZ) ruled that bank executives could not be controlling shareholders of institutions they are supposed to be running.
“When the RBZ said I should dilute my shareholding I asked myself who the best person to partner with would be and I thought ‘Strive!” Nyambirai said.
 “I was humbled and honoured when he had the confidence in me and my business to buy the shareholding. I am my own man and I have a shareholder in Strive whom I greatly admire!”
He also said TN Holdings was awaiting regulatory approval for the establishment of a cattle bank, a first for Zimbabwe. The proposed bank would allow farmers and individuals to use their stock as collateral when accessing credit.
“At the moment we are moving through the regulatory corridors,” he said.
“Steps are being taken, we have people all over the country talking to people, telling how they view it if we launch a cattle bank and the outcome is amazing.
“What is overwhelming is that it is not only rural people who are enthusiastic about the idea but also urban people.
“We have people living and working in the city who also have cattle in their rural homes as wealth and assets and they are very interested in the concept.”
Nyambirai said although significant progress had been made in improving operating conditions for business, the lack of liquidity remained a huge challenge.
“We operate in an environment and the major characteristic is illiquidity. We are operating in an illiquid market and whatever we do, we have to deal with that challenge,” he said.
“The way it affects us is there is more demand for credit than cash and very little cash is available. We have had to come up with strategies to deal with that problem and we seem to be winning.”

Lynn Mukonoweshuro Group CEO of King­dom Finan­cial Hold­ings


Lynn Mukonoweshuro is the Group CEO of King­dom Finan­cial Hold­ings Lim­ited (KFHL), as well as Chair­per­son of the Coun­cil of the Women’s Uni­ver­sity in Africa. She is one of Zimbabwe’s most impor­tant women, that when she agreed to meet with me, I was more than delighted.
On the day we were to have our inter­view, there was a time mixup on our cal­en­dars so that I ended up arriv­ing at her office at 7am, instead of the 9am she had on her cal­en­dar. So because she had to be some­where by 7.30am, we could not have the inter­view then, and she felt so really bad, moreso because I had come extremely early and now I had to go and then come back again. At 7am, Lynn looked like she had been in the office for hours, not that she seemed tired or any­thing — to the con­trary, she looked serene and com­fort­able. The way you and I would look like round 11am. So nat­u­rally, when our meet­ing did finally com­mence, my first ques­tion (some­what incred­u­lously) was:
 Q: What time do you wake up and how long is your work­ing day?
“{smil­ing} My mother always said that ‘you shall sleep an unin­ter­rupted sleep’, so don’t waste your time on earth sleep­ing’. I wake up between 2-4am. That’s because it’s the time I reserve for prayer, to usher in the day. I’m here at work by 6.30am and home by 8am. But I always make sure I’m home for lunch.”
Q: So you are CEO of King­dom and Chair­per­son of the Coun­cil of the Women’s Uni­ver­sity. What else do you do? And as CEO, what exactly do you do?
 “A lot of work. {laughs} I’m actu­ally a ser­vant in this whole organ­i­sa­tion, which has five sub­sidiaries and branches in Botswana and Malawi. I also work with a lot of orphan­ages, I do strate­gies for churches and I’m on a num­ber of boards.”
Q: In an inter­view you had in 2010 with the Stan­dard, you said “work­ing for King­dom is a call­ing”, why is that?
“Work as if you work for God and not for man. The company’s vision is grounded in that verse, and so I work as if I work for God and not for man, and pay­ment for me is a sec­ondary mat­ter. That’s why I see my work as a call­ing because I work for God.”
Q: I under­stand you are the first female CEO of King­dom since incep­tion. How does that feel?
“I don’t see gen­der when I look at peo­ple, I see human beings, so it’s not a really big deal for me, because if you go through life look­ing at every­thing from the point of view that says because I am a woman, then you will be in trou­ble. Besides, King­dom has always been gen­der sen­si­tive, we have a num­ber of women in to posi­tions.  {sim­il­ing} I think Nigel’s mom[Nigel Chanakira is the founder of KFHL] raised him well.
Q: Before you came to King­dom, you worked at IBM Com­put­ers and Coca-Cola, please tell me about your expe­ri­ence there?
 “I enjoyed my time work­ing at those two com­pa­nies. I’ve always believed that one must get a note­wor­thy exo­e­ri­ence whilst young. In order to do so, you join a brand because of their vision, and you grow with the com­pany. This is why I’ve worked at the com­pa­nies I’ve worked for before and now I’m here at King­dom and I enjoy work­ing here every step of the way and I’ve grown a lot since I’ve  come here.”
Q: I read that you are mar­ried and have three chil­dren, how do you jug­gle being a mom, wife and busi­ness woman?
 ”{instantly she becomes excited, stands up and shows me a pic­ture of her and her fam­ily on the wall, point­ing out the indi­vid­ual mem­bers} My eldest son is 24 — he’s just fin­ished uni­ver­sity, the 2nd is doing his A’s, and the 3rd wants to be a doc­tor. She started her own soup kitchen with her friends when she was only in Grade six, now she’s in form two and she says to me one day when we had gone to a hos­pi­tal ‘mommy I want my own hos­pi­tal just like this one, and the poor won’t have to pay’, and i think to myself oh my. My fam­ily and I have so much fun and my hus­band is ever so sup­port­ive. I have a diary I keep where every­one knows they have  to log on the day they want my time, if you don’t log on when you want me, then you can’t com­plain when I can’t make it to wher­ever you want me. We do work some­times as a fam­ily, do char­ity work together for instance, I am so blessed to have a fam­ily like mine.” {you can tell she is very proud of her fam­ily as she says this :) }
Q: Grow­ing up, did you ever envi­sion your­self being where you are today?
 ”{laughs} I always thought I’d be a pilot, or if I didn’t end up a pilot I wanted to end up in the Sci­ences field. When I got to the U.Z how­ever, most Sci­ences lec­tur­ers had gone to the U.K, and so I was forced to get into Business.”
Q: Speak­ing of, where did you grow up, and which schools did you go to?
 “I grew up here in Harare and I went to Nharirire Pri­mary School in Mbare” [with eyes wide open I’m like “really” because Mbare is one of the old­est Zim­bab­wean high den­sity sub­urbs, and it is shock­ing that she went to school there because look­ing at her you could never guess] {she ofcourse, laughs, because she knows what I’m think­ing} :)
Q: And your fam­ily, tell me about them
 “My fam­ily was very small and close, two boys and myself, I am the last, the mid­dle boy passed on. I was never spoilt, regard­less of the fact that I was the last born, you see, moms then were dif­fer­ernt from moms now. And my father would treat my broth­ers and I equally, there was no gen­der differentiation.”
Q: What do you enjoy doing in your spare time?
“{smiles} I cre­ate spare time. I enjoy inte­rior decor and cook­ing, I love exper­i­ment­ing. So it’s very nor­mal to find me revamp­ing a room, it’s not as often as I’d like though. I’m also a very spir­i­tual per­son and a great believer, so I cre­ate time just for me and my Creator.”
Q: So I want to know your favourite things: what’s your favourite food?
 “Peanut but­ter in anything.”
Q: Favourite country?
 “Switzer­land — it’s so clean, it gives you hope that peo­ple some­where can be clean.”
Q: Favourite music?
 “I love Hill­song, and I’m into clas­sic music so my other fav is Bethoven.
Q: To close our inter­view what would you want to say to those young women who look upto you, admire you and aspire to be like you?
 “Be very focused, know what you want to do, let noth­ing come between what you want to do. Take it step at a time. But always be responsible.”
(c) TRUE AFRICAN WOMAN MAGAZINE