Statistically Stockvels amount to about R49 billion of the Informal Economy. As a result they must have great potential to have an impact on unemployment, addressing financial inclusion and financial mobility. Stockvels have their own way of regulating themselves but there is a regulatory body called Nasasa who is doing attempting to deal with Stockvels and regulations. Here HF Swarts is conversing around issues surrounding legal issues, policy issues, stats and the benefits of stocks and their potential.