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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FundingCriteria.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c6416d81-361b-43b8-89de-a2008143f4cb.file&amp;FriendlyName=Funding Criteria</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=GrantAppli_form.doc&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/aa19597e-5832-4303-b944-ae76d5b84568.file&amp;FriendlyName=Application form for Grant Funding</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=IS_Capitec.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/42843d3a-a6e0-411c-bfe0-a827a072e3ea.file&amp;FriendlyName=f) Capitec Bank :: the M/chip pre-authorised debit solution (30/11/2005)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=IS_Cointel.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/12a49e11-7f25-406d-9f93-28fcd7242cb9.file&amp;FriendlyName=e) Cointel Simplus :: pay phones (30/11/2005)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=IS_KuyasaFund.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/76ae3564-da09-4d7f-95cd-63e1aa415f4f.file&amp;FriendlyName=b) The Kuyasa Fund :: community based lending (20/04/2006)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=IS_CellphoneBanks.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/92daf8f0-273d-42c9-936d-0a9c6bdc7d6f.file&amp;FriendlyName=d) Cellphone Banks (30/01/2006)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=IS_Penrich_net1.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/be378b04-7a6d-47fe-af59-6c62dd47af71.file&amp;FriendlyName=c) Opening a new frontier in Botswana (Penrich Employee Benefits) and Namibia (Net 1 UEPS Technologies Inc) (21/02/2006)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=IS_PepHollard.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/163095d4-dad3-45a9-9b50-0406577364ff.file&amp;FriendlyName=a) Pep &amp; Hollard :: Making insurance available to low-income earners (29/08/2006)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=19_Officialwelcome.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/25bef03e-ec88-4842-8a9c-460e94e9a483.file&amp;FriendlyName=Official welcome address, Minister for Finance and Economic Affairs, Hon. Mustafa Mkulo, Tanzania</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=19_Daphnis_Keynote.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/dee3cfc2-ebf2-4211-9e82-7d492afc469a.file&amp;FriendlyName=Key Note address: Housing Microfinance: Challenges for Africa and Beyond. Franck Daphnis, President, Development Innovations Group (DIG)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=19_Rust_HFA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f12f163b-8f0f-437e-a7b2-b7b7101bcf56.file&amp;FriendlyName=The State of Housing Finance in Africa - analysis of housing finance sector studies. Kecia Rust, Housing Finance Theme Champion, FinMark Trust</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=19_Wanjala_CriticalIssues.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/49f8f25c-5115-4d91-a54a-1004b4eb3a55.file&amp;FriendlyName=Critical issues facing housing micro lenders - Stephen Wanjala, Habitat for Humanity International</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=19_Mathenge_Ritchie.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/61f91680-4698-4d2d-8a5b-25d9ac6d45ad.file&amp;FriendlyName=Critical issues facing housing micro lenders - Jamie Ritchie, Rooftops Canada;  Mary Mathenge, NACHU (Kenya)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=19_VanRooyen_Kuyasa.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/89504604-adaa-43d9-a6f6-80926c8dd318.file&amp;FriendlyName=Growing from success to significance - the story of the Kuyasa Fund in South Africa (a work in progress). Olivia van Rooyen, Executive Director, Kuyasa Fund</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=20_Vance_experience.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/83fbb503-856f-4d9d-9b48-6521b460e4c9.file&amp;FriendlyName=Key Note address: International experience in housing microlending: examples from Central America and Africa. Irene Vance, Sida (Central America)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=20_Alder_housing.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ff502554-ba64-4691-a61e-61aacfc8d6f7.file&amp;FriendlyName=Key Note address: International experience in housing microlending: examples from Central America and Africa. Graham Alder, Matrix Consultants (Kenya)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=20_Kholo_supportservices.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3590fa33-82a8-4c15-98a8-ef53a6e5b663.file&amp;FriendlyName=Maximising and promoting the housing niche: Housing Support Services. Barbra Kholo, SCC Regional Programme (Zimbabwe); Aaron Hobongwana, Development Action Group (South Africa)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=20_Munene_beyondpilots.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/78047fb6-3f29-4036-a9e8-c6ddf7054b6c.file&amp;FriendlyName=Beyond pilot projects: scaling up with co-op models - WAT in Tanzania and NACHU in Kenya. Paul Munene, NACHU (Kenya)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=20_Siwale_beyondpilots.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9defb240-76cb-488a-af0d-afd388baf4ec.file&amp;FriendlyName=Beyond pilot projects: scaling up with co-op models - WAT in Tanzania and NACHU in Kenya. Tabitha Siwale, Executive Director, WAT (Tanzania)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_IM_S1.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7c5e944f-591c-4e34-b8ce-e865a2e72d9b.file&amp;FriendlyName=What do we know about financial literacy in South Africa?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Vpearson.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/53d4cd3c-e5fb-406a-9822-8b7c1521747f.file&amp;FriendlyName=Financial Education :: Competitive or collaborative</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Jbellis.ppt&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/77b0e987-dff9-46c2-a765-414962bd55c7.file&amp;FriendlyName=Integrating financial education into the business model</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Rphiyega.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/46d75796-ff06-488a-b8e5-e526676b0427.file&amp;FriendlyName=Measuring the impact of financial education programmes :: approaches &amp; challenges</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Rrusconi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/92ec1370-916a-4bfd-a81f-281deb7fcb6b.file&amp;FriendlyName=International experience in the pensions environment</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Tsenne.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0d1a87d4-28f6-462b-adad-74d56e53dbc6.file&amp;FriendlyName=Practical experience in implementing financial education :: What works?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=AnnualReport2003.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/66d45b2c-3c6e-43a0-991f-fe3e5a277b31.file&amp;FriendlyName=Annual Report 2003</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=AnnualReport2004.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/49e3a05f-eaeb-4bca-9106-f40ada9b81e0.file&amp;FriendlyName=Annual Report 2004</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=AnnualReport2005.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4f0f802e-1188-4726-b21d-2597a6aa40aa.file&amp;FriendlyName=Annual Report 2005</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=AnnualReport2006.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a7aff1b0-9167-4d6d-adf8-9425f29c2719.file&amp;FriendlyName=Annual Report 2006</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=AnnualReport2007.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0d66a190-821a-4fd7-83ac-d09516f4950e.file&amp;FriendlyName=Annual Report 2007</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=AnnualReport2008.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/34c671dc-bd98-49fa-8c0c-4e8ab768fafd.file&amp;FriendlyName=Annual Report 2008</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=AnnualReport2009.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/71cae5b2-8fed-4bbc-8f04-90f37bd7a73f.file&amp;FriendlyName=Annual Report 2009</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_ BtswHScoping.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/be068fc6-90fb-486b-b742-198fe17412ee.file&amp;FriendlyName=Presentation :: Botswana consumer lending market</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_bankcredit.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/06a881f6-d676-4ad0-916d-416c5100d3d5.file&amp;FriendlyName=Presentation :: A brief overview of bank credit in Botswana</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_CFVI.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9383e365-db87-435b-84b3-68a2f9fe22f5.file&amp;FriendlyName=Presentation :: The Consumer Financial Vulnerability Index</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=PR_CFVI_Sept09.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/36b3a457-539d-496c-abdb-d9489ff88224.file&amp;FriendlyName=Media Release :: Consumer financial vulnerabilty worsens as recession and job losses bite</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Brief_bankinginquiry.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e78b3c94-7ecd-46a8-9d5f-d9b9cf66dee1.file&amp;FriendlyName=The banking inquiry and the potential impact on access to financial services for the poor</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_RacetoZero.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4857a7ca-fd7f-4803-b2ad-904317c6676f.file&amp;FriendlyName=The Race to Zero :: Costs and customer experiences of low-cost bank accounts in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Lpres_Mzansi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4abb505d-8e48-41fd-8bf3-c5232e970d7e.file&amp;FriendlyName=Launch presentation :: The Mzansi initiative in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=R_Mzansi_BFA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ed864bf5-8736-40cb-b7ea-b14a7e1f8bb3.file&amp;FriendlyName=Final Report :: The Mzansi bank account initiative in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=PR_Mzansi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/74a7b584-7262-449a-8646-3995ca3ca1a9.file&amp;FriendlyName=Press release :: Mzansi - pushing the access frontier</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Brochure_Mzansi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e881455f-1a5d-42e4-bfde-94eb2c0bdd67.file&amp;FriendlyName=Brochure :: The Mzansi bank account initiative in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_SADCFIP.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/636ff5d4-8f86-4729-8746-29f950094a2d.file&amp;FriendlyName=Presentation :: Outline of draft SADC FIP annex on AML/CFT</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_AMLCFT.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/8b553c3e-c10f-4b43-8e53-2fef6527d44c.file&amp;FriendlyName=Presentation :: AML/CFT implementation in developing countries and financial inclusion</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Brochure_branchlessbanking.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/cb441242-83f6-4e86-90cd-e18afe5284cd.file&amp;FriendlyName=Brochure :: Branchless banking</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=R_branchlessbanking.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e3426a81-13e3-42de-a3f4-7f11f717126a.file&amp;FriendlyName=Testing remote access models for Southern African countries</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_StCproject.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d5a1df8f-79d1-4e0a-9b1f-ff766467656e.file&amp;FriendlyName=Choice, Dignity &amp; Empowerment :: Save the Children&amp;apos;s emergency drought response project in Swaziland</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Swaziland_save.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/82b7c78e-f531-4050-aed1-8d25a5cb0939.file&amp;FriendlyName=Distributing cash through bank accounts :: Save the Children&amp;apos;s drought response in Swaziland</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_cashtransfers.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6015a500-63de-4d58-95e5-a91feda11ce2.file&amp;FriendlyName=Cash transfers in Lesotho :: World Vision&amp;apos;s cash and food transfer pilot project - 2007/8</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_casestudy.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9b563b39-7559-42a6-accc-e50af2704e97.file&amp;FriendlyName=Save the Children Emergency response project :: Case study findings</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_KG_S5.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/46120311-08c1-4dea-bdca-4f4ecfd2a15d.file&amp;FriendlyName=Mindset Network :: Content development, production &amp; delivery</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Hfalkena_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/34a6362d-2598-4ed7-b95c-1814b48a1df5.file&amp;FriendlyName=Tiered Banking Workshop :: The Access and Stability Objectives of Regulation</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=genesis_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3ede07d9-6470-4220-b8ca-0b060274f4d5.file&amp;FriendlyName=Tiered Banking Workshop :: Appropriate financial regulation for what and for whom? Lessons from South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=NT_Tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/781d7454-9df6-47a9-8ab8-231acd8dd2f8.file&amp;FriendlyName=Tiered Banking Workshop :: The Dedicated Banks Bill and the Cooperative Banks Bill</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Gdavel_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/91affc65-43ea-4d1f-8f84-ebf80813edc7.file&amp;FriendlyName=Tiered Banking Workshop :: Never a moneylender be...</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Phonohan_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c71717eb-ce5e-4f1d-beae-6776c0f966be.file&amp;FriendlyName=Tiered Banking Workshop :: Financial Access and Development</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=CGAP_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/27621d75-f4db-4cb1-877d-2f1dfc55f9f5.file&amp;FriendlyName=Tiered Banking Workshop :: Microfinance Regulation :: Key principles</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Access_Swaziland.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/99412158-a147-4e87-8ac8-fa5242f2a6b0.file&amp;FriendlyName=Measuring Access to Financial Services in Swaziland</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FS_HSD.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/19b81e06-521f-477c-9ba6-646135a4d2ba.file&amp;FriendlyName=Presentation :: Framing the financial strategy for the Human Settlements Department</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fstrat_HSD.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/72f08ccd-bce1-4f3a-a41f-768f48fe12b0.file&amp;FriendlyName=Executive Summary :: Framing the financial strategy for the Human Settlements Department</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_indebtedness.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/dcbec7d3-348a-49b4-b4ef-838e0867bcf7.file&amp;FriendlyName=Increased access vs increased indebtedness :: Lessons from South AfricaPresented on 27 October 2009 by Rashid Ahmed FinMark Trust</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_FSAfrica_Btsw.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/edb3d277-e88a-40cc-89ba-0d1f7e1e870a.file&amp;FriendlyName=FinScope Africa :: Access to finance across the continent - Botswana context</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=RemittancesZambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/41c172bb-9cd1-42c4-8d47-9c4199d94093.file&amp;FriendlyName=The landscape of remittances in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Brief_remittancesZambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d14a79cd-0fe2-4ca0-b0a6-8047bee6256d.file&amp;FriendlyName=Brief :: The landscape of remittances in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_remittancesZam.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b02b5c3c-88be-4cb6-bd73-1cd835a3616c.file&amp;FriendlyName=Zambia forum presentation :: The remittances landscape in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_supply_pres.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c8465338-4bd8-4d06-a59c-c7f16ea107b1.file&amp;FriendlyName=Presentation :: Making finance work in Zambia - improving the supply side</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_supply_brochure.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9d17fb47-105c-4afa-b53c-d019dc0fee3b.file&amp;FriendlyName=Supply side study of the inclusiveness of Zambia&amp;apos;s financial system :: brochure</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_supply_keydata.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f21f1972-9e61-40e2-9feb-a8a3cff4dcb5.file&amp;FriendlyName=Supply side study of the inclusiveness of Zambia&amp;apos;s financial system :: update of key data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_supply_report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/60c9a5b0-b091-4da6-acbd-bcc09e2bec72.file&amp;FriendlyName=Supply side study of the inclusiveness of Zambia&amp;apos;s financial system :: main report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_branchlessbanking.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/efab2e5e-988d-47b9-a13a-9a0b018cde1b.file&amp;FriendlyName=Zambia forum presentation :: Branchless Banking</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_MTZL.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/39eaee4f-e076-414b-ae82-163340bda3fe.file&amp;FriendlyName=Zambia forum presentation :: Developing a payment system in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_Access_Zam.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3131e199-f381-4760-ad14-11fa4507bfde.file&amp;FriendlyName=Zambia forum presentation :: Remote access to financial services</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_meetingnotesOct07.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5608fe09-9def-438b-afe3-bd37399d1414.file&amp;FriendlyName=Zambia :: Access to housing finance - meeting notes on discussion session in Lusaka :: 25 October 2007</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_R_MB.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f080bd9f-b5a8-4b43-b90d-65b8e1e8f92c.file&amp;FriendlyName=Main report :: The potential for mobile banking in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zam_FAM_Frontiers.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7cdf8196-6f06-49fa-8f62-1adfd41363af.file&amp;FriendlyName=Financial Access Matters 2 :: Measuring Market potential - the financial access frontiers</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=ZambiaAccessFrontier_report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6aaa32c9-951c-485c-b5ef-e2a142c4fd66.file&amp;FriendlyName=Main report :: The access frontier for financial services in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FAM_Zambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6e233db3-81fc-4912-9aaf-f2625bc2aa97.file&amp;FriendlyName=Financial Access Matters :: A measure of Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_savings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/56fcbf7a-ec54-46e9-ba4b-4f4c83b94984.file&amp;FriendlyName=Presentation :: Savings in Zambia - an analysis based on FinScope 2005 data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_savings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/56fcbf7a-ec54-46e9-ba4b-4f4c83b94984.file&amp;FriendlyName=Presentation :: Savings in Zambia - an analysis based on FinScope 2005 data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_savings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/56fcbf7a-ec54-46e9-ba4b-4f4c83b94984.file&amp;FriendlyName=Presentation :: Savings in Zambia - an analysis based on FinScope 2005 data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_sav_report07.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/43f5b162-e7cb-4ad1-8874-f88b1b972af4.file&amp;FriendlyName=Main report :: Savings in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_sav_report07.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/43f5b162-e7cb-4ad1-8874-f88b1b972af4.file&amp;FriendlyName=Main report :: Savings in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=funeral_crosscountry.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a04c3649-bbc2-4de9-b563-ce30caad6cbb.file&amp;FriendlyName=Access to funeral insurance :: Botswana, Namibia, South Africa and Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_HFZambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/dcd49a32-91eb-4540-b8df-4ac852e6017b.file&amp;FriendlyName=Presentation :: Housing Finance in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=HFAfrica_Zambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/87ac84ab-68ac-45e2-a9a6-cf9024e3d059.file&amp;FriendlyName=Access to housing finance in Africa :: Exploring the issues - Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_Livinstone_conf.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b5e95766-c684-45f4-a4db-fcb45424a3ae.file&amp;FriendlyName=Making finance work in Zambia :: Issues of demand and supply - presentation at Livingstone conference</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_Healthinsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e5afeade-c9e6-47a8-ab38-72f340ff4301.file&amp;FriendlyName=Zambia health insurance analysis using the FinScope Zambia 2005 data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_B_I_MFI.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e6d4f491-0468-48c3-b12e-47847c7b6732.file&amp;FriendlyName=Access to financial products in Zambia - an analysis based on FinScope 2005 data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Statement_A2iII.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/812b9f6b-77d1-4b72-90aa-50323cb42ab8.file&amp;FriendlyName=Statement by the CEO of FinMark Trust :: Access to Insurance Initiative</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=PR_Hinsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f890b019-c97a-4814-b0a9-180420adca13.file&amp;FriendlyName=Media Release :: Making health insurance more affordable for South Africans</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=HI_drivers.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/779dc204-6885-4c2c-bb8e-8154b9765a9e.file&amp;FriendlyName=Making health insurance work for the low income market in South Africa :: costs drivers and strategies</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_medicalschemes.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/07cb642e-67d3-48eb-a27f-e1cb149bac96.file&amp;FriendlyName=Presentation to a stakeholder workshop :: Making medical schemes work for the low income sector - cost drivers and strategies</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=DSA_medicalschemes.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b43a9887-6fe8-4c60-a1d5-13646b8ed596.file&amp;FriendlyName=Demand side analysis of medical scheme coverage and access in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pensionsecuredloans.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a51dfa9a-7c60-4c38-aa7b-1d4409cb1ce2.file&amp;FriendlyName=Pension-secured loans :: Facilitating access to housing in South Africa?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FAB.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/fd70da96-8ec3-4924-890c-28541a653308.file&amp;FriendlyName=Presentation to the Forum for Assistant Business :: Opportunities and challenges in South Africa&amp;apos;s low income insurance market</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_Philippines.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3e2d540e-efc3-442d-be82-f7ed907669d0.file&amp;FriendlyName=Presentation :: Making insurance markets work for the poor - The case of Philippines</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_india.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/45d71661-8abe-4fd5-8f0e-49d6bfb18049.file&amp;FriendlyName=Presentation :: Making insurance markets work for the poor - The case of India</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MIMW4P_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7994047d-faa2-4900-a360-2c1bb7e4eaaa.file&amp;FriendlyName=Making insurance markets work for the poor :: Policy, regulation and supervision - Uganda case study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MIMW4P_SouthAfrica.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3d0c0c02-1ad3-4041-ae3b-a9924000f96a.file&amp;FriendlyName=Making insurance markets work for the poor :: Policy, regulation and supervision - South Africa case study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MIMW4P_findings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2a8b95ce-d75d-4b2e-9880-272fce1a775f.file&amp;FriendlyName=Making insurance markets work for the poor :: Cross-cutting findings from five country case studies</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MIMW4P_Colombia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5b5bc5da-b0e2-4d16-89ef-0b1f2c417a4c.file&amp;FriendlyName=Making insurance markets work for the poor :: Policy, regulation and supervision - Colombia case study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MIMW4P_Philippines.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5744af2d-a114-41f4-8ee7-470e0f96e2bc.file&amp;FriendlyName=Making insurance markets work for the poor :: Policy, regulation and supervision - Philippines case study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FSIC_Regulation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3dbaecfc-5bf2-4195-8ca4-cea36d89dec7.file&amp;FriendlyName=Making insurance markets work for the poor :: Presentation - The role of regulation of member-based insurers</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FSIC_Colombia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f9bb34f3-75d7-476e-b280-db61a9919bbb.file&amp;FriendlyName=Making insurance markets work for the poor :: Presentation - The case of Colombia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MIMW4P_India.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5bd8570b-9cf8-44dc-8d1a-b34825dadc75.file&amp;FriendlyName=Making insurance markets work for the poor :: Policy, regulation and supervision - India case study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FSIC_SA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/cf3ddb1c-caa9-4995-9960-5a2f65e99690.file&amp;FriendlyName=Making insurance markets work for the poor :: Presentation - The case of South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FSIC_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a33135df-b4b4-4172-b678-b3f54c3fb5fc.file&amp;FriendlyName=Making insurance markets work for the poor :: Presentation - The case of Uganda</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FSIC_guidelines.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/16c17e44-d2fd-4ccb-a747-3b36d53d83bc.file&amp;FriendlyName=Making insurance markets work for the poor :: Presentation - Emerging guidelines for regulators</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_WAICAConf.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4c9f35a9-332b-4dbc-9e72-a1bac8251ac1.file&amp;FriendlyName=Presentation at WAICA conference - Developing microinsurance markets :: key issues for underwriters and distributors</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_MIR_framework.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/412fb9cd-602b-4f6e-9bd2-97d1f8c3e67b.file&amp;FriendlyName=Presentation :: The future of microinsurance regulation - a proposed new regulatory framework</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=R_Btswpensions.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/06bbbfe5-5924-4f4b-b856-a5452f4bf97e.file&amp;FriendlyName=Developing a broad-based employee pension scheme for Botswana</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Brief_Btswpensions.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/44df2ed8-950e-4472-a706-ae0f6ffa3868.file&amp;FriendlyName=Brief :: Pension provision in Botswana</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_Miregulation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5eafe606-9e27-4f32-8cbb-05d643fc098f.file&amp;FriendlyName=The future of microinsurance regulation - presentation on National Treasury&amp;apos;s microinsurance discussion paper</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=CPB_submission.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f1fae0db-ed15-416a-aa88-4b0d4af0039f.file&amp;FriendlyName=FinMark Trust&amp;apos;s submission on the Consumer Protection Bill</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=CPB_annexureA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ab5485f3-8800-4521-81dd-ce72cbe4b27e.file&amp;FriendlyName=FinMark Trust&amp;apos;s submission on the Consumer Protection Bill :: Annexure A</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=R_SA_microinsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6181c6a3-1c12-4227-b5b2-78694835c2f1.file&amp;FriendlyName=South Africa short term insurance focus groups :: the need for and awareness of asset insurance</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MI_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/8ab50b65-c8d1-4f2b-a013-82d54c1a351a.file&amp;FriendlyName=Presentation to CEO&amp;apos;s: The micro insurance opportunity in Uganda</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MI_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/93e6f7dc-d4ab-4dd7-9002-043621235931.file&amp;FriendlyName=Micro-insurance in Uganda :: Emerging principles for regulation</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=microinsurance_brief.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4fb53ea9-ba1d-47ce-8568-b55ba2dcab3d.file&amp;FriendlyName=FinMark Brief :: Intermediation - the key challenge for microinsurance</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=access_nam04.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2cdd772c-76e6-4865-a844-7a4444077a15.file&amp;FriendlyName=Access to insurance in Namibia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=mi_intermedSA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/48f5af52-1f60-4bd5-89dd-dd196f713dba.file&amp;FriendlyName=Presentation on micro-insurance intermediation in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Weatherinsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d4a1ab80-dd9d-47cb-a597-b50d6aa62162.file&amp;FriendlyName=Weather Index Insurance :: the case for South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=MI_intermediary.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/1fef9a33-ef44-4c1a-9283-102dc11f2761.file&amp;FriendlyName=Opportunity International Agency :: The business case for a microinsurance intermediary in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_MunichRe.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f358d18e-fb98-4d60-9cc5-fe7701971921.file&amp;FriendlyName=Presentation to the Munich Re Microinsurance Conference :: Case study on Great North Burial Society</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=insurance_retail.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7d666191-3d10-498c-95a6-28e1f5c36831.file&amp;FriendlyName=Distribution of micro-insurance through retail outlets :: South Africa case study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Intermediariespres.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/becc1451-33d5-4a7a-956e-d61f3d0bba77.file&amp;FriendlyName=Challenges and opportunities facing intermediaries</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=RegReviewInsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3a97ba31-f70c-4127-b237-e0f27c4813d9.file&amp;FriendlyName=A Regulatory Review of formal and informal funeral insurance markets in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_supply_brochure.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/1e73feec-7bd0-4df0-9d0a-a60c0e574c73.file&amp;FriendlyName=Supply side study of the inclusiveness of Zambia&amp;apos;s financial system :: brochure</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_supply_keydata.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e309658f-223a-401b-9722-5fd21e49c2fb.file&amp;FriendlyName=Supply side study of the inclusiveness of Zambia&amp;apos;s financial system :: update of key data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_supply_report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/63220647-10d6-4eb4-81e2-af227a06ee7b.file&amp;FriendlyName=Supply side study of the inclusiveness of Zambia&amp;apos;s financial system :: main report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_branchlessbanking.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/cfb7847a-44ce-4553-bff4-b6d2ad60734d.file&amp;FriendlyName=Zambia forum presentation :: Branchless Banking</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_MTZL.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/644c801d-a315-4321-9f77-8e3f55041e91.file&amp;FriendlyName=Zambia forum presentation :: Developing a payment system in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_Access_Zam.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/02003b3c-554f-41b6-8433-fee383426d12.file&amp;FriendlyName=Zambia forum presentation :: Remote access to financial services</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FMTZ_brochure.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e0c9f933-7b4e-44c6-89ad-058955c20707.file&amp;FriendlyName=FinMark Trust Zambia :: Making markets worked in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zam_FAM_mobilebanking.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/732c15b5-0d4e-4c46-8675-391a7fc8b436.file&amp;FriendlyName=Financial Access Matters 3 :: Measuring the potential for mobile banking</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_R_MB.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c2d6e88c-c66f-460b-a0cb-01a91ae23eec.file&amp;FriendlyName=Main report :: The potential for mobile banking in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_R_MB.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c2d6e88c-c66f-460b-a0cb-01a91ae23eec.file&amp;FriendlyName=Main report :: The potential for mobile banking in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zam_FAM_Frontiers.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f71ed403-7742-4cef-9899-5249f669129a.file&amp;FriendlyName=Financial Access Matters 2 :: Measuring Market potential - the financial access frontiers</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=ZambiaAccessFrontier_report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ede773ef-64c7-4d2a-a789-d026f5e3aa80.file&amp;FriendlyName=Main report :: The access frontier for financial services in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_FAM_Zambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ea911176-9c3a-4d19-803a-6bb2e7476fbb.file&amp;FriendlyName=Financial Access Matters :: A measure of Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_sav_report07.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b7fda744-55d0-4832-8f1e-691a49e56288.file&amp;FriendlyName=Main report :: Savings in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zam_FAM_savings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/becf63f3-27af-42e0-9f94-79bda4b625ae.file&amp;FriendlyName=Financial Access Matters 1 :: Measuring the potential for savings products</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zam_FAM_savings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/becf63f3-27af-42e0-9f94-79bda4b625ae.file&amp;FriendlyName=Financial Access Matters 1 :: Measuring the potential for savings products</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=funeral_crosscountry.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b8fdcd08-b528-4af4-a74f-9aa9de8aacbd.file&amp;FriendlyName=Access to funeral insurance :: Botswana, Namibia, South Africa and Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_HFZambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/1868efc0-2030-475f-9565-fc65ef0f7703.file&amp;FriendlyName=Presentation :: Housing Finance in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=HFAfrica_Zambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b909e678-9bfe-4751-978b-6e76a911a06d.file&amp;FriendlyName=Access to housing finance in Africa :: Exploring the issues - Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_Livinstone_conf.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/24371e05-bd98-4a8d-a4c8-a54d6347db2b.file&amp;FriendlyName=Making finance work in Zambia :: Issues of demand and supply - presentation at Livingstone conference</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_Healthinsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9626e3dc-b6eb-4976-abbe-a3d60305167b.file&amp;FriendlyName=Zambia health insurance analysis using the FinScope Zambia 2005 data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Zambia_B_I_MFI.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2211515f-7d57-4f87-9006-f928911bb1c9.file&amp;FriendlyName=Access to financial products in Zambia - an analysis based on FinScope 2005 data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_IM_S1.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/da8c4e04-f327-4689-b418-f5f8c7cfbdc0.file&amp;FriendlyName=What do we know about financial literacy in South Africa?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Vpearson.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ae92a7f9-61c6-4153-b52e-c17cd9582aee.file&amp;FriendlyName=Financial Education :: Competitive or collaborative</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Jbellis.ppt&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/40613105-7f5a-4ec4-81c6-257cdd54e5b7.file&amp;FriendlyName=Integrating financial education into the business model</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Rphiyega.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4f6ef9de-3a4c-45a3-b4ce-2110069d2fe9.file&amp;FriendlyName=Measuring the impact of financial education programmes :: approaches &amp; challenges</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Rrusconi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e0aa05d1-c6f5-4597-806b-97aaa87db835.file&amp;FriendlyName=International experience in the pensions environment</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FEC_Tsenne.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b5db1d7d-99e0-4997-9ccf-ef791b59a5dc.file&amp;FriendlyName=Practical experience in implementing financial education :: What works?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_ BtswHScoping.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4f99e3af-1374-4dd8-81df-865544eec2fb.file&amp;FriendlyName=Presentation :: Botswana consumer lending market</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_bankcredit.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/926e5049-83ec-47f2-8de6-ab2892e3c05d.file&amp;FriendlyName=Presentation :: A brief overview of bank credit in Botswana</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FPres_CFVI.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6601018a-af74-485f-a504-6cef2836a617.file&amp;FriendlyName=Presentation :: The Consumer Financial Vulnerability Index</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=PR_CFVI_Sept09.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0b88de79-249f-45dc-915d-3c2caa219752.file&amp;FriendlyName=Media Release :: Consumer financial vulnerabilty worsens as recession and job losses bite</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Brief_bankinginquiry.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/954e434f-360c-4587-8ef9-4102e800ab64.file&amp;FriendlyName=The banking inquiry and the potential impact on access to financial services for the poor</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Fpres_RacetoZero.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/44a36663-8075-40ae-b76b-1acb957dc0af.file&amp;FriendlyName=The Race to Zero :: Costs and customer experiences of low-cost bank accounts in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Lpres_Mzansi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/11f113d2-f522-4dab-a775-cea86353c36d.file&amp;FriendlyName=Launch presentation :: The Mzansi initiative in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=R_Mzansi_BFA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ec1481de-778f-4e5f-beff-b8b49a89725d.file&amp;FriendlyName=Final Report :: The Mzansi bank account initiative in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=PR_Mzansi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9de517e3-9a40-4818-bfb8-085a2ae7111f.file&amp;FriendlyName=Press release :: Mzansi - pushing the access frontier</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Brochure_Mzansi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/db9a0b7c-60e0-4cd2-88d2-f5ef5f537677.file&amp;FriendlyName=Brochure :: The Mzansi bank account initiative in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Pres_SADCFIP.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e3f08caf-729d-4b38-8138-80396a9c2235.file&amp;FriendlyName=Presentation :: Outline of draft SADC FIP annex on AML/CFT</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=NCA_regulations.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/407ce393-80c5-4533-a834-eaeb89e0f8b8.file&amp;FriendlyName=The National Credit Act and its regulations in the context of access to finance in SA</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=access2savings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/8b132f48-a21e-42d8-a35b-c0c67b9e6139.file&amp;FriendlyName=Access to Savings in LSMs 1-5</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=PR_access2savings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c64ce868-df33-48a7-ad66-15669d253071.file&amp;FriendlyName=Press release :: Huge untapped market for savings products</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=banksact.zip&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/8898386d-0561-4a32-bd80-e48f29caa404.file&amp;FriendlyName=Policy Lens Pilot I :: Banks Act</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=SAIndiaArticles.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/8558e73d-8be0-46a0-b719-1f875ec354a1.file&amp;FriendlyName=Towards building an inclusive financial sector :: Lessons [for India] from South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=Access_Swaziland.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9d987387-7edc-47d3-bebb-40f272943bbe.file&amp;FriendlyName=Measuring Access to Financial Services in Swaziland</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=FATFCaseStudy_2004.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3fd232ee-49af-4103-944e-a5b5b4877aa2.file&amp;FriendlyName=Access to Financial Services in South Africa: A brief case study of the effect of the implementation of the Financial Action Task Force Recommendations</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=PointofSale.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6bb8a8bd-e48e-4ddf-b1ab-f6ffa56bf046.file&amp;FriendlyName=Point of Sale :: South African Landscape</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/scriptlibrary/getfile.aspx?filename=ThirdTierII.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/64c506ab-24ea-4fe0-bb01-55754413a0fd.file&amp;FriendlyName=Member Based Financial Institutions :: Design and Feasibility of Regulating and Support Structure</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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