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Showing 1 to 15 of 15 for “"Stokvels"”.
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Stokvels: bringing together borrowers, savers, and investors
… make up about 30% of the adult population. These stokvels save up to R49 billion per year yet, many of the people in these communities that save this money find themselves unable to gain access to credit and savings facilities. An agile and iterative approach was used to develop a web-based …
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Do property stokvels allow for greater economic inclusion than traditional mortgages?
… the motivations for participating in property stokvels in South Africa and; To understand which, between property stokvels and mortgage financing, is more appropriate for acquiring property in South Africa. The sample of participants was drawn from individuals who have participated in property …
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From consumers to investors: an investigation into the character and nature of stokvels in South Africa's urban, peri-urban and rural centres using a phenomenological approach
Stokvels are South Africa's version of Rotating Savings and Credit Associations (ROSCAs) or Accumulating Savings and Credit Associations (ACSAs). There are over 820 000 stokvels with a combined membership of 11.4 million people and handling over R44 billion per annum. It is well documented that the …
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An assessment of the utilisation of stokvels or rotating savings and credit associations to influence healthy eating in South Africa
… habits shaped by socioeconomic conditions. Stokvels, traditional community-based savings groups, emerge as potential catalysts for nutritional intervention, particularly among urban populations facing the dual challenges of undernutrition and obesity. This extensive study delves into the …
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Social capital and role of stokvels in the economic lives of poor people in Khayelitsha, Cape Town
… seeks to understand the role and the impact of stokvels, especially on low-income groups living in Khayelitsha in Cape Town. The focus is on the role of social capital and the economic impact on the lives of stokvel members. The study investigates how social capital is developed and deployed by …
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Member-perceived Determinants of Resilience of Stokvels Operating in selected Rural Areas of Vhembe District, South Africa
Stokvels play crucial roles in the lives of poor households, in particular those that are faced with financial challenges. They contribute to enterprise development, improvement of housing and enhance access to credit and funding of education. However, members of stokvels often experience …
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Why do South Africans use stokvels and what are the barriers that prevent participation in the formal financial sector?
… in seven of the 17 goals. In South Africa, stokvels are one of the most important microfinance phenomena, as 11.5-million people are part of a stokvel. The formal financial sector in South Africa has started to target stokvel members through various stokvel accounts and products. Previous …
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In-situ informal settlement upgrades through community savings: possibility or farfetched dream in the South African Context
… of utilising saving groups in the form of stokvels as a feasible mechanism for community driven in-situ upgrades in the South African context. Looking from the lens of psychological empowerment the study investigated the empowering community settings that are absent or present within the …
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An exploration of group dynamics in “stokvels” and its implications on the members’ mental health and psychological well-being.
Stokvels are social groups usually formed randomly by people who share a common bond such as relatives, neighbours, colleagues in the workplace or friends with a purpose of financially saving together on a monthly basis. This study aimed to explore the group dynamics in stokvels and its …
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Informal finance for the middle and high income individuals in South Africa : a case study of high budget "stokvels" in Pretoria
… 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 …
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Design and evaluation of a mobile application interface for stokvel groups: an Eastern Cape case study
… applications to facilitate the management of Stokvels - informal savings groups - in rural South African communities. Amid challenges like mismanagement, lack of transparency, and constraints posed by the COVID-19 pandemic, digital solutions may offer effective remedies. The research seeks to …
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Savings and shock-coping behavior in South Africa's metropolitan townships
… anytime, next to community savings schemes like stokvels and more traditional ones like funeral plans, insurance and bank accounts affects the savings behavior to the extent of improving households' shock-coping strategies. We investigated how variables like education level achieved, employment …
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Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households
… at a particular point in time. Informal savings (stokvels) and micro-enterprise expenses also contributed to fluctuations in income and expenditure. This study provides unique insights that fill a vacuum in the current body of academic and industry knowledge for this segment of close to forty …
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The applicability of the Grameen Bank model in South Africa
… operating under the Grameen philosophy, known as stokvels, and by embracing cell phone technology. In addition, institutions that provide social upliftment should focus on the skills training required by entrepreneurs to operate more successfully and for the employee to be more employable. The …
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uBuntu and certainty in commercial contracting: A study of burial societies in Cape Town
… oldest forms of mutual rotating savings groups (stokvels) used to finance funerals in indigenous communities. The parties agree to make monetary and non monetary contributions in exchange for assistance upon death or bereavement of their families. They were formed to mitigate costs associated …