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<html xmlns="http://www.w3.org/1999/xhtml" lang="de-DE"><head><title>Mastermind Alliance</title><meta content="text/html; charset=utf-8" http-equiv="content-type"></meta><meta name="description" content="ABOUT US
In the spirit of “Ubuntu” - “I am because I assist you to be”, do we help members of Mastermind Alliansie to:
•	Combat attacks on their existence and profitability. 
•	Sharpen focus on the core operations of their businesses, define that “reason for their existence”, and focus activities on it.
•	Train owners, management and staff in those legalities of the National Credit Act that are important to comply with
•	Equip owners and management with the leadership qualities and management skills to successfully operate their businesses.

Ubuntu - I am because I assist you to be
Ubuntu - Ek is omdat ek jou bystaan om te wees

OOR ONS
In die gees van “Ubuntu” - “Ek is omdat ek jou bystaan om te wees”, help ons lede van Mastermind Alliansie om:
•	Aanslae op hulle voortbestaan en winsgewendheid te beveg
•	Fokus op die kernbedrywighede van hulle besighede te verskerp, daardie “rede vir hulle bestaan”, te definieer en werksaamhede daarop toe te spits.
•	Eienaars, bestuur en personeel op te lei in daardie wetsaspekte van die Nasionale Kredietwet wat belangrik is om aan te voldoen.
•	Eienaars en bestuur toe te rus met die leierskap kwaliteite en bestuursvaardighede om hulle besighede suksesvol te bedryf. 

 Willie Oosthuizen Holds a Honours degree from the University of the Free State in Political Science and a Masters degree in Political Science from the University of Pretoria. He was sponsored by his employer and completed the Advanced Executive Program of the School of Business Leadership of the University of South Africa with a distinction for his dissertation, “Organisational Climate Analysis in the Human Resources Departments” of a large mining house.
As a registered Human Resources Specialist with the South African Board for Personnel Practice he has extensive “hands on” experience in all facets of human resources management with special emphasis on:
TRAINING AND DEVELOPMENT: Workplace training, including one of the first criterion referenced learner paced training in South Africa of apprentices and technicians at one of the biggest heavy industries, on-the-job training and development, management development from first line supervision to senior management at board level. In the latter capacity he acted as internal consultant to design, and present a management development programme for middle to senior management at all the mines of a major mining house.
LABOUR RELATIONS: Member of negotiating teams dealing with labour unrest and strikes; wage negotiations with trade unions; cooperation with shop stewards and consultative committees; chairing disciplinary enquiries from first line supervisors to senior management; designing and implementing disciplinary codes, disciplinary procedures, disciplinary guidelines and grievance procedures in companies.
RECRUITMENT AND SELECTION: Member of company teams that recruited and selected various categories of professionals locally and abroad applying structured techniques.
PERFORMANCE MANAGEMENT: Designed, implemented and managed various instruments to do performance management and performance appraisal for development and remuneration purposes.
REMUNERATION: Set guidelines for and applied performance based remuneration in a major mining house. Member of multi discipline committees to determine job grades for new and existing positions from junior operative, technical and administrative positions to senior management.  
MANAGEMENT EXPERIENCE: As a manager from first line supervisor, middle management and senior management reporting to the board of directors, extensive experience was gained in leadership and  application of the management functions of planning, organising, leading and controlling in respect of human resources, finance, inventory, production, marketing, external relations with local and oversees companies and government departments, service providers, local and oversees consultants.
When the opportunity presented itself Willie took early retirement from the corporate world to again seek new challenges. As an entrepreneur he invested in the micro-finance industry, management and business consulting for micro-financiers in all corners of South Africa and SMME’s in general. 
CONSULTING EXPERIENCE: Consulting range from resolving labour relations problems, improving productivity through training and employee assessment to structuring new businesses and restructuring existing businesses through the self developed practical and tested core strategy workshop.
Willie was commissioned by BANKSETA to investigate the training needs for the micro-finance industry together with a major international consulting organisation. Willie’s extensive involvement with the micro-finance industry enabled him to publish a handbook in CD format, “Micro Finance Management and Operations Guide – A guide to sustained growth and survival”.
Willie is regarded as a specialist on the National Credit Act of South Africa and acts as consultant to credit providers and legal practitioners in this regard.
Willie translated the National Credit Act with Regulations (NCA) into Afrikaans for the benefit of his many Afrikaans speaking clients. This project had the benefit that he had to study and analyse each section, paragraph and sentence of the Act and Regulations.
The Law Faculty of a leading university requested permission to use these documents.
Willie has developed a range of training programs for proprietors, management and loan-staff (consultants) granting loans. These programs have been presented as public seminars in all major cities and small towns in both Afrikaans and English across the country as well as in-house training in companies where the focus is on loan-staff but managers and proprietors have remarked, “Now I understand what is required…”.
The training material is, however, designed and compiled in a format that enables proprietors, managers and loan-staff to do the training self-study in a distance learning format. 
 Distance learning training material for all training programs consist of three parts:
•	Study manual; that presents the course content in aan easy to understand method, asking important questions and providing explained answers.
•	Study guidelines; that learners must follow to work trough the study manual and do a range of assignments/projects that test understanding and application ability of important requirements of the National Kredit Act.
•	Mentor guide; with the answers to assignments/projects to be used by persons appointed as mentors to assist and guide students through the training program.
Willie has also developed compliance audits for the seven different categories of credit covered in the National Credit Act that are used to establish the level of compliance of the Act by credit providers and determine corrective measures where necessary.
The documents used to conduct the audits are, however, in such a clear and explanatory format that audits can be conducted by credit providers self. These audit documents also have considerable training and development value.   
BOARD EXPERIENCE: Willie was nominated to serve on the Board of the Micro Finance Regulatory Council [MFRC], now the National Credit Regulator of South Africa, where he served three terms.
LECTURING EXPERIENCE: In 2009 Willie was invited to be a part-time lecturer at Milpark Business School in Johannesburg in human resource management for the Masters degree in Business Administration [MBA] and integrated business management for the post graduate diploma in business management. Willie is also study leader to MBA students who are busy with dissertations

PERSONAL SERVICE AND ASSISTANCE
Because of the entrance of debt councillors after the introduction of the National Credit Act (the Act) and interpretation of the Act by magistrates, attorneys and the National Credit Regulator and other bodies, most of our time the past two years was devoted to personal service and assistance where:   
•	Businesses were threatened with closure because of alleged contraventions or non-compliance of conditions of the Act. 
•	Magistrates rejected requests for judgments in cases of default repayments of credit agreements because of their interpretation of the Act.  
•	Liaison with the National Credit Regulator (NCR) on behalf of members in matter affecting their registration as credit providers.
•	Investigation, compile and presenting of opposing arguments or plead arguments where members were charged by the NCR of misconduct under the Act. 
In all the above cases our actions were successful and businesses exist today; and the financial wellness of others ensured because of our help and assistance.

RESEARCH AND INTERPRETATION        
The National Credit Act  and other legislation are researched and interpreted to assist members with the compilation and use of documents, practices and systems that ensures that legal requirements are complied with.
In this regard assistance was rendered to prominent providers of credit administration programs to ensure their computer software complies with the legal requirements of the Act.
 Numerous documents were compiled, among others:
•	Loan/credit application forms.
•	Loan/credit agreements.
•	Internal audits to measure compliance of the Act within businesses.
•	Correct completion of NCR reports.
•	Disciplinary codes
•	Disciplinary guidelines
•	Questionnaires/documents for employee matters    

TRAINING AND DEVELOPMENT
Numerous training and development programs were compiled to empower members with the knowledge and skills to comply with conditions of the relevant acts, among others:
•	Public seminars aimed at owners and management on the important requirements of the Act that credit providers must comply with. Now also available to be presented internally by businesses. 
•	In-house training program presented within businesses; aimed at staff involved with granting of loans/credit of the legal requirements that must be complied with. Sections of the Act is summarised in easily understandable language, and the much emphasis is placed on explaining and outlay.    
•	Public seminare on performing an internal audit to measure compliance with the Act; now available to be used by managers of a business. 
•	CD consisting of colour slides and accompanying sound track to explain the Broad-based Black Economic Empowerment Act in order to provide guidelines for compliance.
•	Conditions of the Labour Relations Act in terms of which businesses must act to protect own interests and secure results.  
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font-size: x-large;"><em><strong>Ubuntu - We are because we assist you to be</strong></em></span></p><p> </p><p style="text-align: justify;"><span style="font-family: verdana; font-size: x-large;"><strong>To thrive and excel in today's business environment, you have to be able to focus on your core business. </strong></span></p><p style="text-align: justify;"><span style="font-family: verdana; font-size: x-large;"><strong>All kinds of disruptions can slow your company down, and you may end up losing your competitive edge. </strong></span></p><p style="text-align: justify;"><span style="font-family: verdana; font-size: x-large;"><strong>In the spirit of “</strong></span><span style="font-family: verdana; font-size: x-large;"><em><strong>Ubuntu</strong></em></span><span style="font-family: verdana; font-size: x-large;"><strong>” we assist you to focus and remain on top! </strong></span></p><p style="text-align: justify;"><span style="font-family: verdana; font-size: x-large;"><strong>Through the variety of services and products we provide and personal assistance to address issues, problems and situations that confront your business, we help you to be successful. </strong></span></p><p> </p><p><span style="font-size: x-large;"> </span></p><div style="clear: both;" id="cm_bottom_clearer" contenteditable="false"></div></div></td><td id="content_right_wrapper" valign="top"><div class="content_sidebar"><div id="widgetbar_page_1" data-cm-hintable="yes"><p> </p><div id="widgetcontainer_CM_cm4all_com_widgets_Scroller_102011" class="
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					cm_widget cm4all_com_widgets_Formular cm_widget_block_center" style="width:180px; max-width:180px; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_Formular_98571_98574" id="widgetanchor_CM_cm4all_com_widgets_Formular_98571_98574"><!--cm4all.com.widgets.Formular--></a></div><div class="cm-widget-teaser" style=""><h3>Contact form</h3><a    href="/CONTACT-US/KONTAK-ONS/index.php/#CM_cm4all_com_widgets_Formular_98571" target="_self" style="text-decoration: none;cursor: hand;"><i class="fa fa-pencil-square-o" aria-hidden="true" style="font-size:45px;"></i><p>Click here to get to our contact form</p></a></div>
</div><div id="widgetcontainer_CM_cm4all_com_widgets_FaceBook_106151" class="
				    cm_widget_block
					cm_widget cm4all_com_widgets_FaceBook cm_widget_block_center" style="width:180px; max-width:100%; height:25px; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_FaceBook_106151" id="widgetanchor_CM_cm4all_com_widgets_FaceBook_106151"><!--cm4all.com.widgets.FaceBook--></a></div><iframe src="//www.facebook.com/plugins/like.php?href=%2FHOME-PAGE%2Findex.php%2F&amp;layout=button_count&amp;show_faces=false&amp;font&amp;action=recommend&amp;colorscheme=light" scrolling="no" frameborder="0" height="25px" width="100%"><!--SocialNetworkWidget--></iframe><script type="text/javascript">/* <![CDATA[ */ 
		                    (function () {
		                        var nl = document.getElementsByTagName("iframe");
		                        nl.item(nl.length-1).allowTransparency = true;
							})();
						/* ]]> */</script></div><div id="widgetcontainer_CM_cm4all_com_widgets_DownloadWidget_101874" class="
				    cm_widget_block
					cm_widget cm4all_com_widgets_DownloadWidget cm_widget_block_center" style="width:180px; max-width:100%; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_DownloadWidget_101874" id="widgetanchor_CM_cm4all_com_widgets_DownloadWidget_101874"><!--cm4all.com.widgets.DownloadWidget--></a></div><script type="text/javascript">Common.loadCss("/.cm4all/widgetres.php/cm4all.com.widgets.DownloadWidget//show.css?v=1612309086275");</script><div style="width:100%;" class="widget-wide cm-download-widget"><table style="max-width:100%;"><tr><td><a onfocus="this.blur();" href="/.cm4all/iproc.php/COST%20OF%20CREDIT%20CALCULATOR.xlsx?cdp=a"><img style="border:none;" src="/.cm4all/widgetres.php/cm4all.com.widgets.DownloadWidget/mime_unknown.png?v=1612309086275"></a></td><td><b>INTEREST &amp; COST CALCULATOR</b><br><a onfocus="this.blur();" href="/.cm4all/iproc.php/COST%20OF%20CREDIT%20CALCULATOR.xlsx?cdp=a">COST OF CREDIT CALCULATOR.xlsx</a> (17.52KB)</td></tr></table></div><div style="width:100%;" class="widget-small cm-download-widget"><b>INTEREST &amp; COST CALCULATOR</b><br><table style="max-width:100%;"><tr><td><a onfocus="this.blur();" href="/.cm4all/iproc.php/COST%20OF%20CREDIT%20CALCULATOR.xlsx?cdp=a"><img style="border:none;" src="/.cm4all/widgetres.php/cm4all.com.widgets.DownloadWidget/mime_unknown.png?v=1612309086275"></a></td><td><a onfocus="this.blur();" href="/.cm4all/iproc.php/COST%20OF%20CREDIT%20CALCULATOR.xlsx?cdp=a">COST OF CREDIT CALCULATOR.xlsx</a> (17.52KB)</td></tr></table></div></div><p> </p><p> </p><p> </p><div id="widgetcontainer_CM_cm4all_com_widgets_OfficeHours_98573" class="
				    cm_widget_block
					cm_widget cm4all_com_widgets_OfficeHours cm_widget_block_center" style="width:180px; max-width:100%; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_OfficeHours_98573" id="widgetanchor_CM_cm4all_com_widgets_OfficeHours_98573"><!--cm4all.com.widgets.OfficeHours--></a></div><script xmlns="http://www.w3.org/1999/xhtml"  xmlns:java="http://xml.apache.org/xalan/java" type="text/javascript">Common.loadCss("/.cm4all/widgetres.php/cm4all.com.widgets.OfficeHours//show.css?version=1612309086275");</script><h2 xmlns="http://www.w3.org/1999/xhtml"  xmlns:java="http://xml.apache.org/xalan/java" style="text-align:left" class="cm-h1 cm-oh-large">Office hours</h2><h3 xmlns="http://www.w3.org/1999/xhtml"  xmlns:java="http://xml.apache.org/xalan/java" style="text-align:left" class="cm-oh-small">Office hours</h3><div xmlns="http://www.w3.org/1999/xhtml"  xmlns:java="http://xml.apache.org/xalan/java"><p style="text-align:left">Early until late / Vroeg tot laat</p></div></div><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><div id="widgetcontainer_CM_cm4all_com_widgets_DiaShow_98569_98575" class="
				    cm_widget_block
					cm_widget cm4all_com_widgets_DiaShow cm_widget_block_center" style="width:100%; max-width:180px; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_DiaShow_98569_98575" id="widgetanchor_CM_cm4all_com_widgets_DiaShow_98569_98575"><!--cm4all.com.widgets.DiaShow--></a></div><div  class="teaser-box"><div id="photoAlbum_CM_cm4all_com_widgets_DiaShow_98569_98575" class="teaser-view"></div></div><script  type="text/javascript">/* <![CDATA[ */ 
			//	Common.log("photoAlbum teaser:");

			(new function() {
				var commonWidget = new Common.Widget({
					base    : "/index.php/",
					session : "7b2ed2ffcc6a35dfe4a97e9a227c6b4c",
					frame   : "",
					path    : "CM_cm4all_com_widgets_DiaShow_98569_98575"
				});

				var libraryLoaded = function() {
					//	Common.log("libraryLoaded:");

					var id		= "photoAlbum_CM_cm4all_com_widgets_DiaShow_98569_98575";
					var images	= "1";
					var page	= "/FOTOS/PHOTOS/index.php/#CM_cm4all_com_widgets_DiaShow_98569";

					//	Common.log("libraryLoaded: create PhotoAlbum teaser with id " + id);

					if (!window.teaserBox)
						window.teaserBox = {};

					if (window.teaserBox[id]) {
						//	Common.log("teaserBox : " + id + " exists");
						window.teaserBox[id].clear();
					}

					window.teaserBox[id] = new TeaserBox(commonWidget, id, images,
						"0"
					);

					window.teaserBox[id].load(function(data) {
						//	debugger;

						if (!window.teaserBox[id].hasData(data)) {
							Common.log("teaserBox : no data");
							return;
						}

						window.teaserBox[id].fixImageURL(data);
						window.teaserBox[id].show(data);

						$(id).observe(
							"click", function() {
								window.location.replace(page);
							}
						);
					});
				};

			      var localUri = "/.cm4all/widgetres.php/cm4all.com.widgets.DiaShow/";

				Common.loadCss(localUri + "/photoAlbum_teaser.css?version=1612309086275");

				Common.requireLibrary(
					[
						localUri + "/teaserBox.js?version=1612309086275"
					],

					libraryLoaded
				);
			}());

			/* ]]> */</script></div></div><div id="widgetbar_page_2" data-cm-hintable="yes"><h3>       </h3><h1>Mastermind Alliance </h1><div id="widgetcontainer_CM_cm4all_com_widgets_Photo_99624" class="
				    cm_widget_block
					cm_widget cm4all_com_widgets_Photo cm_widget_block_center" style="width:180px; max-width:118px; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_Photo_99624" id="widgetanchor_CM_cm4all_com_widgets_Photo_99624"><!--cm4all.com.widgets.Photo--></a></div><img title="" alt="" src="/.cm4all/iproc.php/New%20Picture.jpg/downsize_1280_0/New%20Picture.jpg" style="display:block;border:0px;" width="100%" /></div><div id="widgetcontainer_CM_cm4all_com_widgets_FaceBook_99617" class="
				    cm_widget_block
					cm_widget cm4all_com_widgets_FaceBook cm_widget_block_center" style="width:180px; max-width:100%; height:25px; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_FaceBook_99617" id="widgetanchor_CM_cm4all_com_widgets_FaceBook_99617"><!--cm4all.com.widgets.FaceBook--></a></div><iframe src="//www.facebook.com/plugins/like.php?href=%2FHOME-PAGE%2Findex.php%2F&amp;layout=button_count&amp;show_faces=false&amp;font&amp;action=like&amp;colorscheme=light" scrolling="no" frameborder="0" height="25px" width="100%"><!--SocialNetworkWidget--></iframe><script type="text/javascript">/* <![CDATA[ */ 
		                    (function () {
		                        var nl = document.getElementsByTagName("iframe");
		                        nl.item(nl.length-1).allowTransparency = true;
							})();
						/* ]]> */</script></div></div><div id="widgetbar_site_2" data-cm-hintable="yes"><p> </p><div id="widgetcontainer_CM_cm4all_com_widgets_Counter_102008" class="
				    cm_widget_block
					cm_widget cm4all_com_widgets_Counter cm_widget_block_center" style="width:180px; max-width:100%; "><div class="cm_widget_anchor"><a name="CM_cm4all_com_widgets_Counter_102008" id="widgetanchor_CM_cm4all_com_widgets_Counter_102008"><!--cm4all.com.widgets.Counter--></a></div><div  style="text-align:center;"><img src="//sites.dedicated.co.za/imageprocessor/counter.cls/14_145411_4" alt="145411" style="max-width:180px;" /></div></div><p> </p></div></div></td></tr></table></div></div></div><div id="footer_wrapper"><div id="footer" data-cm-hintable="yes"><a href="/HOME-PAGE/" class="cm_anchor">Home</a>  |  <a href="/ABOUT-US/" class="cm_anchor">About Us</a>  |  <a href="/OUR-SERVICES/" class="cm_anchor">Our Services</a>  |  <a href="/FOTOS/PHOTOS/" class="cm_anchor">Gallery</a>  |  <a href="/CONTACT-US/KONTAK-ONS/" class="cm_anchor">Contact</a></div></div><div  style="display: none;" id="keyvisualWidgetVideosContainer"></div><style  type="text/css">.cm-kv-0 {
background-color: #ffcc00;
background-image: url("/.cm4all/iproc.php/prod_Board_Meeting19.jpg/scale_0_0/prod_Board_Meeting19.jpg");
background-position: 0px 0px;
background-size: 304px 203px;
background-repeat: no-repeat;
}
</style><style  type="text/css">
			#keyvisual {
				overflow: hidden;
			}
			.kv-video-wrapper {
				width: 100%;
				height: 100%;
				position: relative;
			}
			</style><script  type="text/javascript">
				jQuery(document).ready(function() {
					function moveTempVideos(slideshow, isEditorMode) {
						var videosContainer = document.getElementById('keyvisualWidgetVideosContainer');
						if (videosContainer) {
							while (videosContainer.firstChild) {
								var div = videosContainer.firstChild;
								var divPosition = div.className.substring('cm-kv-0-tempvideo-'.length);
								if (isEditorMode && parseInt(divPosition) > 1) {
									break;
								}
								videosContainer.removeChild(div);
								if (div.nodeType == Node.ELEMENT_NODE) {
									var pos = '';
									if (slideshow) {
										pos = '-' + divPosition;
									}
									var kv = document.querySelector('.cm-kv-0' + pos);
									if (kv) {
										if (!slideshow) {
											var wrapperDiv = document.createElement("div"); 
											wrapperDiv.setAttribute("class", "kv-video-wrapper");
											kv.appendChild(wrapperDiv);
											kv = wrapperDiv;
										}
										while (div.firstChild) {
											kv.appendChild(div.firstChild);
										}
										var video = kv.querySelector("video");
										if (video) {
											var attr = video.getAttribute("autoplay");
											if (attr !== null) {
												video.play();  /* Chrome does not evaluate autoplay-attribute of inserted video-elements */
											}
										}
										if (!slideshow) {
											break;
										}
									}
								}
							}
						}
					}

					function kvClickAction(mode, href) {
						if (mode == 'internal') {
							window.location.href = href;
						} else if (mode == 'external') {
							var a = document.createElement('a');
							a.href = href;
							a.target = '_blank';
							a.rel = 'noreferrer noopener';
							a.click();
						}
					}

					var keyvisualElement = jQuery("[cm_type=keyvisual]");
					if(keyvisualElement.length == 0){
						keyvisualElement = jQuery("#keyvisual");
					}
					if(keyvisualElement.length == 0){
						keyvisualElement = jQuery("[class~=cm-kv-0]");
					}
				
					moveTempVideos(false, false);
				
			});
		</script></body></html>
