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Businesswoman Neelam Maharaj is a mentor with South Pacific Business Developments’ Fiji Bloom program. With her sister Neelma, she has built up three businesses from scratch learning many valuable business lessons along the way.

Neelam talks to us about her own business journey, and her mentoring of SPBD members.

Hello Neelam. Please tell us about your business, Friendly Mates. What services do you offer?
Our business is all about providing janitorial services. The business name is Friendly Mates—cleaning services and we’re 17 years old. Our business employs only women, and we provide interior cleaning, and exterior cleaning such as water blasting, tile polishing and rug shampoo. Friendly Mates is owned by my sister and I, and we’re both totally involved in the business.

Our second business is Salon 21, a hair and beauty salon. And my third business is Extreme Debt Collectors, which is a debt collection company. 

Apart from these businesses, I also do farming. I try to motivate people to farm and keep things lively even at home by doing this.

Can you tell us about how you established your businesses?
We used to be employees before. I come from a legal background and provide legal services to different firms for seven years. My sister’s last employment was also with a law firm. Even while working for others, we used to make roti parcels and sell it at work. So, we had this business mind already by generating small income.

Probably the hardship that we were going through gave us the chance to generate more income through a small business. Then one day, a very close friend’s sister said to me, “Neelam you are so much into doing this small bit and helping people. Why don’t you invest into a business, a cleaning business?” I said, “Oh, it’s going to be difficult because we don’t know how to go about doing this.” And she told me how important the market is, and that this type of business was very famous overseas but not as much in Fiji.

When I started in 2004, there was not much competition. My sister Neelma, was the one who pushed me to take the idea on running a small business which was suggested to me. She filled the FDB loan application form and lodged it on my behalf. We got a small loan from FDB to start, and the deposit from FNPF. And once that approval kicked in, we also got a $500 grant from the government to get into a small business. So, I had two employees straight away doing marketing and my sister was another employee too, managing the accounts and everything while I was still working outside. We had begun with doing two shifts in a day, so, one was from 8am to 5pm and the other one was from 11pm to 5am.

We started to clean some of the law firms using our contacts and then hitting on tenders in the newspapers. So while cleaning small offices during the day, we had Carpenters Shipping as our evening shift from 4pm to 9pm. For two years, I didn’t have any life but to just be at the site always supervising, seeing that everything is done because there is a lot of risk involved.

We grew into hair and beauty because my sister was taking a lot of interest in the beauty side. In 2010 she studied at the beauty school in Nadi and then we had Salon 21 at Pacific House. Last year, we signed it off to another person, but my sister still operates under that name from our apartment in Toorak. So, we’re saving on rent but we’re still in business.

The legal side is basically I do debt collections using my legal experience.

I am a member of WEBC, Women Entrepreneurs Business Council. That’s how we got introduced to South Pacific Business Development and the microfinance ladies. When ladies have very small businesses, they need ideas to just jump in and do it. So, things like financial literacy, how to manage your cash and stuff, it’s not known, and we teach.

What are some of the biggest lessons you have learned in business?
My biggest lesson is managing employee issues. A cleaner would come for a week or for two days and will leave without giving you a notice. There are times where I would just sit down and fall into tears because there are no employees at work. If they’re leaving, in the contract, we only ask them to give us seven days prior notice.

How has COVID affected your business?
Drastically. I made a loss of more than $70,000 last year. And for a small business, that’s a lot of money. I’ve been called for meeting after meeting and they have been asking for a COVID price. We are already committed, we have bank repayments, business loans. We cannot cut our price just immediately because of COVID. They require the same service, they require the same time, the same kind of chemicals and equipment but they want it at reduced price. So yeah, basically, yeah, a huge loss, suffered. I lost staff too.

You were a trainer with the Fiji Bloom program last year. What skills did you teach the participants?
My mentee was not registered with her business license. She didn’t have an exemption certificate. So, I literally sat down with her in the FRCS office for two hours and got all her documents in place. I took her to the Nausori DO’s office personally and got her license issued. I ensured that she is in compliance and I made sure that she is one of the applicants for the concessional loan by the government.

We got her business tidied up with her legal documents so that she can be in the market competing with others. After that, we worked on her financial literacy skills. She had many businesses like, she was selling crabs. She had a billiard store. She had a cupboard purchased from Courts and she used to store food stuff and sell it in her village to make money out of it.   

But all this income was coming to one point and she used it to pay those she took loans from, pay for her household goods, pay for her bills, pay for her church services. There was no separation of business income from personal expenses. The bottom line was that she was not paying herself any wages or salary. So we talked about that, how to manage that. And in between, as soon as they find that they are facing difficulty they are open to contact us.

I told her, “we all started from scratch in our business. You are doing the same thing. So, this is how we grow together.”

How important is this sort of training?
It’s so important. Even for me, the other trainings I have been involved in have made me think about my own business. I wasn’t mentored in my own business. I just walked through. For me, I realised I need a website for my business. For the salon we have one but for the janitorial business, we never had a website. So we’re going to build one now.

What most inspires you about the women you mentor?
That they had questions, that inspired me, that they were showing their skills. They were interested in coming, they wanted to know, they were ready to learn.

This is quite an early age for me to be mentoring. You know, most people do mentoring after their retirement but for me, I’m open to doing it and meeting with people.  

 

MEET THE MEMBERS

The launch of the SPBD TC Yasa Rehabilitation Loan Program gave us a chance to meet the resilient women of Fiji’s northern division. Here two of them share their stories.

Evi Maiteci
Evi Maiteci

My name is Evi Maiteci. I’m 55 years old and I’m a member of Naduri Centre and I have been with SPBD for seven years. I have a canteen and sell fuel too, outboard fuel, premix. Our main source of income is fish. We didn’t go out to sea much during Tropical Cyclone Yasa and we ended up not having enough supplies for our customers which was worrying. Sales from the canteen weren’t doing well too around the time, you know. It wasn’t good. I will use the TC Yasa loan to stock up on items for my canteen, that’s the first thing I plan to do. And then get more outboard fuel so at least I’ll have enough around for a long time.  

The SPBD loans have enabled me to set up and run my businesses and upgrade my home. One of the hardest things I find with my business is getting and accommodating credit requests from people in the village you know, and it’s hard to say no. My proudest moments with SPBD are having my loan applications approved and successfully setting up my businesses. SPBD provides exceptional customer service too and because we live in the village, they come to us and we don’t have to go all the way to town to their office, which is a good thing. We don’t have to deal with paperwork as they take care of this for us, unlike banks, for example, when applying for a loan.

SPBD has taught me to manage money wisely as well and how to provide additional support for my family’s needs. I want my businesses to flourish and I will keep supporting it to the fullest. I plan on getting a car in the future, hopefully soon. SPBD is the best and I’m a proud member.    

Finau Ravola
Finau Ravola

My name is Finau Ravola. I’m a member of Nabouwalu Centre 1 in Bua and I’m 38 years old. I’ve been with SPBD for a very a long time. 10 years now, I think. I sell yaqona, I make garlands, wreaths, and I bake cakes.

Everything was slow when TC Yasa hit. My kava business was greatly affected. Our suppliers ran short of it because their yaqona farms were ruined. Most of them stopped supplying us because hardly anyone was buying. They ended up consuming it.

I’m going to inject it [the TC Yasa loan] into my businesses. Most of our belongings were destroyed during the cyclone and I’ll put aside some of that money to replace it.

Even though my husband works, I buy stuff for our family most of the time. Before his pay comes through, we already know where it will go and what to spend it on. So, you see, the income I get from my businesses are very helpful. That’s why my husband is fully supportive of what I do.

The hardest thing with my business? Moving to a new place and having to start again. We lived in Suva before and when we moved here, we didn’t know anyone and it was hard to get customers.

I plan to expand my businesses now which in turn will generate enough income to help upgrade our home back in Delainavesi.  

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