'I love Jem simply because they have always been there when I needed them, especially through the tough times.

A couple of weeks ago load shedding blew my TV and microwave and I could take an advance from Jem to replace those appliances. I would refer Jem to any other company.'

"It's amazing to be able to get our payslips straight away, onto our phones. No one can accidentally view it as it is personal and confidential. Before jem, I was always looking for my paper payslip. Now, I can view it at any time."

“Jem has supported me in a number of trying circumstances. My family and I have been able to make it to another pay period thanks to the opportunity to request an advance to aid with food, medicine, and fuel. I have no idea how my family and I would survive from pay check to pay check. I am truly appreciative of your assistance.”

"Jem has been very helpful - we no longer have to worry about money during the month for mid-month emergencies. It has helped us reduce debt with interest. Before we had to borrow from loan sharks and be charged huge interest to survive during the month."

"With Jem, company communication has been made smooth. We don't have to travel to get information from our employer. It's now on the tip of my hands and so there is no time wasted."

'Jem was introduced at a really difficult financial time for me. It was convenient and cheap to use, and it helped with budgeting.

Jem has helped immensely and it was easily accessible and easy to pay back.'

‘Jem has helped me understand my payslip better and know how to budget. This is not to mention the helpful advances on my salary! Jem has been there for me, from the very first payslip I received and they are always willing to help us. ‘

‘Jem has rocked our world here in our HR department at DoubleTree by Hilton Cape Town! What used to take a great deal of time, now takes a 10th of that time. The issuing of payslips literally takes a few minutes per month!

Our hotel employees, most of whom don’t have access to emails or an app-capable phone but have WhatsApp LOVE the Jem system - they have payslips (current or the past 3 months), their annual leave balances and are even able to avoid payday lenders with an On-Demand Pay feature. It is all a few clicks away and they don’t need to come to ask us for reprints, etc.

Thanks for an awesome product and for your great service.’