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Types of stokvels2016+27717819283 There are different types of stokvels in South Africa as the following discussion shows. Verhoef (2016) identifies four types of stokvels, namely savings, burial, investment and high budget stokvels. Stokvels have both economic and social functions. The economic function relates to the use of stokvels to promote income security whilst the social function speaks to social capital, which manifests itself through friendships and social networks. 

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