Stockvels are one of the most enduring informal (but going through formalization) financial systems in South Africa. Here HF Swarts is introducing this financial system that is part of millions of South Africans financial lives. In the episodes following stockvels will be part of the conversations and we look at their legitimacy, we will look at their advantages and advantages, we will look at their up side and down side. Join us as we explore at the theme ad invite all those who are already part of a stockvel.