Ngcobo, Lindiwe, and Joseph Chisasa. “Characteristics of Credit Instruments Issued by Stokvels in South Africa”. Journal of Economics and Behavioral Studies 10, no. 6(J) (December 22, 2018): 240-250. Accessed May 7, 2024. https://ojs.amhinternational.com/index.php/jebs/article/view/2614.