Hlatshwayo, M., A. Dloto, and P. Mutekwe. “THE SOLIDARITY ECONOMY OF MARGINALIZED COMMUNITIES IN SOUTH AFRICA: AN ANALYSIS OF BUYING AND SAVINGS CLUBS IN GQEBERHA”. Journal of Management : Small and Medium Enterprises (SMEs), Vol. 16, no. 3, Nov. 2023, pp. 441-57, doi:10.35508/jom.v16i3.11452.