Copyright: © 2021. The Authors. Licensee: AOSIS. This work is licensed under the Creative Commons Attribution License. Introduction Informal savings groups, also referred to as ‘stokvels’ in South Africa (African Response 2012), were born out of the country’s repressive, race-based policies that restricted the economic participation of the black population. These savings groups are unregulated societies aimed at individuals who are under-served by traditional banking and non-banking financial institutions (Burlando & Canidio 2017; Dupas & Robinson 2013).

中文翻译：

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确定非正式储蓄团体作为正式承诺储蓄设备模型的潜力

版权所有：© 2021。作者。被许可人：AOSIS。这项工作是在知识共享署名许可下获得许可的。简介 非正式储蓄团体，在南非也被称为“stokvels”（African Response 2012），源于该国限制黑人人口经济参与的压制性、基于种族的政策。这些储蓄团体是不受监管的社会，针对的是传统银行和非银行金融机构服务不足的个人（Burlando & Canidio 2017；Dupas & Robinson 2013）。