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• W175625618 abstract "This study was undertaken to investigate the major reasons behind the use of informal financial services by middle and high-income individuals in South Africa with specific reference to rotational savings and credit associations, locally known as stokvels. The ultimate aim was to recommend ways in which banks and other formal financial institutions could aptly address the financial needs of these individuals. The study was conducted in Pretoria, which is situated in the Gauteng province of South Africa. The data for this research was mainly gathered through two focus group discussion techniques, namely: the discussion guide and product attribute raking (PRA). Two mini questionnaires were also used to collect personal information from the participants. The research revealed three major categories of high-budget stokvels namely: the generic, targeted saving and investment stokvels. The main users of these stokvels are black males and females with a monthly income of R11 500 or more. They are typically individuals of 31 to 49 years of age. They are highly educated individuals holders of qualifications equivalent to a university degree or higher. Further analysis of the participants in this sample revealed a tendency for the stokvels to be formed along gender, workplace/colleague and kinship lines. University of Pretoria etd – Kibuuka, L E (2007)" @default.
• W175625618 created "2016-06-24" @default.
• W175625618 creator A5072593641 @default.
• W175625618 date "2007-07-23" @default.
• W175625618 modified "2023-09-26" @default.
• W175625618 title "Informal finance for the middle and high income individuals in South Africa : a case study of high budget stokvels in Pretoria" @default.
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