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Access to financial services is a vital component of poverty alleviation, community and individual development. The major constraint experienced by poor South African households is lack of financial support emanating from systemic weaknesses of the formal financial institutions which include lack of infrastructural facilities, high transaction costs and traditional collateral. The objective of this study is to propose a financial strategy that would improve access to financial services anddoi:10.21511/bbs.11(2).2016.01 fatcat:ch6vrlkwvngjlhpiwgnrwbpg7e