Ngcobo L, Chisasa J. Characteristics of Credit Instruments Issued by Stokvels in South Africa. JEBS [Internet]. 2018 Dec. 22 [cited 2026 Oct. 25];10(6(J):240-5. Available from: https://amhinternational.com/jebs/article/view/3092-characteristics-of-credit-instruments-issued-by-stokvels-in-south-africa