"ukujwayeza ukulondoloza kanye nokunikezwa kwemali engenayo kuko kokokubili izinhlangano kanye nama-retail finance institutions ama-rfi njengendlela yokwenza banzi nokwenza nzulu ukufinyelela kuzinsiza zezezimali kwabaphofu kanye nokwenza ngcono isimo sabo sesezimali ukuze baphile kangcono"