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Many South Africans are excluded from participating in the "official" economy resulting in an underground economy that is independent of the "official" economy" but there is a strong interdependence with each other. Others, who have no access to the financial system have established there independence by organising themselves in "Stokvels". These are loose groupings of people who commit themselves to contribute some money into a "pot" enabling them to draw from this pot when expensive items have to be financed that they, as individuals, would never be able to finance on their own.

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