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Hardlife Muhamba

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On my business cards, you'll find titles like Career Branding Strategist, Managing Consultant, and Founder, yet these labels only scratch the surface of who I truly am. I extend beyond these roles, encompassing a published Author, a dedicated Banker, an Award-Winning Entrepreneur, and a fervent Philanthropist. Blessed with the ability to initiate and scale sustainable enterprises, I've embarked on an impactful journey over the past 7 years, establishing five businesses across construction, financial services, and human capital development in South Africa and Zimbabwe. My expertise in proposal development and project acquisition has yielded substantial success, securing projects valued at over +40 million Rand in the Civil Engineering and Construction sector within the past year. My leadership extends to low-cost housing and water reticulation projects, significantly enhancing clean water accessibility for numerous households in Limpopo, South Africa. As a Passionate Banker and Financial Service Professional, I birthed Capernaum Financial Services in 2020—a registered, diversified financial services boutique operating in South Africa. Our mission is to provide alternative financing, bridging the inequality divide prevalent in South Africa. With the motto "We do not lend money but we finance dreams," I've overseen the transformation of our loan book from R20,000 to R2.5 million within 24 months, consistently maintaining non-performing loans below 5% of the total portfolio. Amidst the Covid-19 pandemic's challenges in 2020, I initiated HardyTheCoach—a Human Capital and Business Consulting firm, now established in South Africa and Zimbabwe. Starting with minimal resources, I've impressively expanded the client base to serve over 150 clients monthly, spanning 25+ countries across Africa, Europe, Asia, and America, within a span of 24 months. Want to work one-on-one? Send a LinkedIn message and lets start a conversation. [email protected] www.hardythecoach.com www.capernaumfinance.com

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