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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPM_Rode.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4dd0c95b-18b3-4668-800f-34f24e4ffc6a.file&amp;FriendlyName=Presentation to Rode :: Township Residential Property Markets Dynamics - a new area of opportunity</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Kalyango_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9d3a5b1f-bf86-473e-96b9-ff8a29a052d1.file&amp;FriendlyName=Tiered Banking Workshop :: Uganda&amp;apos;s Experience with Tiered Banking Regulation (notes)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Phawkins_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/80f7dd79-0d9f-4312-aac5-d0e99b008e62.file&amp;FriendlyName=Tiered Banking Workshop :: Getting to grips with tiered banking</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/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/new/scriptlibrary/getfile.aspx?filename=porteous_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/979f4d00-4473-4742-a9a2-9d1a86d9eafd.file&amp;FriendlyName=Tiered Banking Workshop :: The Regulator&amp;apos;s Dilemma :: Opening space for innovationand development in the financial system</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=SADC_tiered.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ec7c0a71-2ef4-41a7-b08c-3f344a45bf18.file&amp;FriendlyName=Tiered Banking Workshop :: SADC initiative to harmonize financial regulation :: Implications for the financial sector</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/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/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FATFCaseStudy_2004.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/598d8ad3-b835-4555-8dc6-14c15415a0ed.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/new/scriptlibrary/getfile.aspx?filename=ThirdTierII.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/76c6de05-532c-4060-8449-8ab68c32be7d.file&amp;FriendlyName=Member Based Financial Institutions :: Design and Feasibility of Regulating and Support Structure</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=ThirdTierBanking.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4c01b21e-7c07-4bf7-bbbf-7aaa8d80d921.file&amp;FriendlyName=Third-Tier Banking Report :: A review of the capacity,  lessons learned and way forward for member-based financial institutions in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=MassBanking.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/762b3232-5f57-4ff6-9f78-38fb43b9953d.file&amp;FriendlyName=Legislative and regulatory obstacles to mass banking</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/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/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FPres_BotswCLM.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/fc6c4210-df96-4c2c-b3b0-af27b44f64f9.file&amp;FriendlyName=Botswana consumer lending marketPresented on 27 October 2009 by Michael Wiegand, Standard Chartered</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPM_portal.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/18b7972d-ac13-4606-9652-48acf7eded6b.file&amp;FriendlyName=Easy access to TRPM study data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=PR_CFVI_Jan10.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c60ebeec-f606-4fe3-b4bd-ae1843c039e3.file&amp;FriendlyName=Media Release :: Consumer financial vulnerability improves slightly but people still at risk</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPM_FSheet3_Mr04.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f22f410d-fcca-4914-a24f-caaed666020a.file&amp;FriendlyName=TRPM Project Fact Sheet,  No 3 :: March 2004</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1Report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a4fca214-8d9f-4a05-a230-c9ab4619180d.file&amp;FriendlyName=TRPM Phase 1 :: General Research Report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TPRFactSheet2.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/951d52d2-0446-4dc3-92ed-b11c1f3a2a5a.file&amp;FriendlyName=TRPM Project Fact Sheet,  No. 2 :: December 2003</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TPRFactSheet1.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/293ba6e5-b156-424c-b530-a6e563681cfe.file&amp;FriendlyName=TRPM Project Fact Sheet,  No. 1 :: August 2003</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/1e1b817d-97df-4bcd-ad37-4e4958ddeadd.file&amp;FriendlyName=TRPM Phase 1 :: Annexure A -- Economic Dimensions</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexB.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/471f9698-216a-4591-8626-8156beed8bce.file&amp;FriendlyName=TRPM Phase 1 :: Annexure B -- Socio Cultural Dimensions</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexC.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b8d9b79a-a858-42ef-af59-d65363c7f2eb.file&amp;FriendlyName=TRPM Phase 1 :: Annexure C -- Scoping Analysis</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexD.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d43787e5-7160-4c80-9e20-34d0c4dd8267.file&amp;FriendlyName=TRPM Phase 1 :: Annexure D -- Land Markets</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexE.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/33605c03-ef26-4adb-b454-b8d756e509ae.file&amp;FriendlyName=TRPM Phase 1 :: Annexure E -- Legal Aspects</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPhase3_Report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b981780f-1fbb-4982-b831-e2afc97ea47c.file&amp;FriendlyName=TRPM Phase 3 :: Findings,  Conclusions and Implications</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPM_Brochure.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/aada2094-e1bf-404f-be23-9812fa913955.file&amp;FriendlyName=TRPM Overview Leaflet</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_annexF.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/75199624-dfc1-44f3-99d5-fcff5d569499.file&amp;FriendlyName=TRPM Phase 1 :: Annexure F -- Macro Trend Analysis Report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=ShisakaFindingsPres.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3476fb77-9eae-4de9-8657-59aad4c8a770.file&amp;FriendlyName=TRPM Findings,  Conclusions &amp; Implications Presentation,  June 2004</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPM_FS_4.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2684d5e9-d912-460f-a7d7-989af71f886f.file&amp;FriendlyName=TRPM Project Fact Sheet No. 4 :: June 2004 (End of Phase 3)</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_TRPMDeadMarkets.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7b176b4d-1540-41db-bfc4-0c264f21ac12.file&amp;FriendlyName=Presentation :: Dead Capital in the townships?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMNews1.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5b880da2-ecec-4545-801e-001a7f23b5ff.file&amp;FriendlyName=TRPM News - Update No. 1 :: 30 July 2004</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPM_PanelDiscuss.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3874ee8b-dfb8-4cca-be8d-eea8ad91ed86.file&amp;FriendlyName=TRPM Launch of findings :: Question and panel discussion</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=CFVI_4thQ09.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c1e5e45a-0d00-48c7-804a-0d7135178b95.file&amp;FriendlyName=Consumer Financial Vulnerability Index :: Fourth Quarter 2009</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=CFVI_3rdQ09.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3d2ba7b3-68e2-4afd-9525-8bb968285ea5.file&amp;FriendlyName=Consumer Financial Vulnerability Index :: First update - third quarter 2009</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FA_credit.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/aa845e29-6650-4f51-bdb8-5179d34801c1.file&amp;FriendlyName=Increase financial access for underserved South Africans through alternative data</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_CFVindex.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0deb15b0-38ef-4c53-993e-d58f5dc1d2ad.file&amp;FriendlyName=Report on the Consumer Financial Vulnerability Index</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=NL_ALHDC_1.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4eb52604-0131-4ea7-9b71-dc27ff34ea51.file&amp;FriendlyName=AL+HDC Newsletter - October 2009 :: Issue 1</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=ALHDC_RDPtrends.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7574d93f-11f6-4126-9653-dbc1373ccaf6.file&amp;FriendlyName=Presentation :: Trends in RDP and related markets</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pensionsecuredloans.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f1b712cf-46fb-42aa-b098-de2fa8827e45.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/new/scriptlibrary/getfile.aspx?filename=AHNL_June09.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4bf45699-3485-426b-8e4c-09f140ee4316.file&amp;FriendlyName=Access Housing Newsletter :: June 2009</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=A2HF_Malawi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0816ffcc-1591-4617-a444-299b8a907b11.file&amp;FriendlyName=Access to housing finance in Africa :: Exploring the issues in Malawi</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Moz_Portuguese.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b02d4621-cb0d-4e1b-b5c9-655780e70676.file&amp;FriendlyName=Portuguese version :: Access to housing finance in Africa :: Exploring the issues in Mozambique</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_Moz_Portuguese.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6983c845-d0ca-4b09-881f-8b58fe2bec41.file&amp;FriendlyName=Portuguese version :: Presentation on the Mozambique housing finance sector study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_HFMalawi.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/dda2f3b8-3400-469d-a44a-4fcb3d6ce830.file&amp;FriendlyName=Presentation :: Overview of housing finance in Malawi</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FPres_AHF_FSC.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0b7250a0-f2f7-444e-b72f-b6e1861293c9.file&amp;FriendlyName=Presentation :: Access to housing finance - Considering a next phase of the FSC targets</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_HMF_SA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/18ee5524-ec07-496c-8840-bb40ac49b584.file&amp;FriendlyName=Housing Microfinance in South Africa :: Status,  challenges and prospects</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=HMF_workshopreport.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d70d363f-7271-4a57-b023-f86754146651.file&amp;FriendlyName=Growing sustainable housing microfinance options in Sub-Saharan Africa :: Workshop report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_HFopportunities.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/af3876ba-b118-48f6-a873-5a03ef22db02.file&amp;FriendlyName=Presentation :: Housing finance in Sub-Saharan Africa - opportunities and challenges</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Paper_AMCHUD.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d3f024f3-7d38-454e-8c29-88092349e04f.file&amp;FriendlyName=Paper :: Housing Finance in Sub-Saharan Africa - reflections from South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_AMCHUD.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5202ce90-874a-461a-93ed-f075a536f603.file&amp;FriendlyName=Presentation :: Housing Finance in Sub-Saharan Africa - reflections from South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Fpres_MI_Zambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/763f21d2-95a0-428c-a48d-48988b0e8c91.file&amp;FriendlyName=Zambia forum presentation :: Opportunities and challenges for microinsurance in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Zambiacashtransfer.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/476df64b-8973-4123-894a-75eb185339da.file&amp;FriendlyName=Report on Distribution mechanism scoping study in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=AML_CFT.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/55b4d4b5-21be-4fe3-9b48-87452b6bb975.file&amp;FriendlyName=Implementing FATF AML/CFT standards in development countries and financial inclusion :: findings and guidelines</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=CCIPanel.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/599d37d3-2b1c-404a-a607-de4e7a65f076.file&amp;FriendlyName=FinMark Trust submission to the Consumer Credit Insurance Panel of Enquiry</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Brief_oldagesaving.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6cdc977b-f5a2-4b19-aa42-2ea021f59bd5.file&amp;FriendlyName=Brief :: Old-age saving by low-income South Africans</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_oldagesaving.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6a15d4c4-935c-45da-813c-bdb05abfac9d.file&amp;FriendlyName=Presentation :: Old-age saving by low-income South Africans</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_oldagesaving.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5f4a7523-b3b5-448b-bb15-2b8bf9da3f87.file&amp;FriendlyName=Report :: Old-age saving by low-income South Africans</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=contractualsavingslessons.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e688c680-a791-4ac6-86e0-1e4648d2f328.file&amp;FriendlyName=The Poor and voluntary long term contractual savings :: lessons from South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=WBC_MIprinciples.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/fd52ff9d-529b-46e9-b03b-9507a1d8ea51.file&amp;FriendlyName=Presentation on emerging principles for the regulation of micro-insurance</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_CGAP_IAIS.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/53c62986-3223-4953-8a16-e08ee82607f0.file&amp;FriendlyName=Presentation on micro-insurance regulation</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=WBC_intermediation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2a86f6f7-ec84-4cc9-989e-c9509fedc31a.file&amp;FriendlyName=Emerging issues in micro-insurance intermediation</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=WBC_typologies.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9991d71a-92e7-4f1e-9a8d-ed024f6a7717.file&amp;FriendlyName=Emerging micro-insurance intermediary typologies</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=pres_mitigatingrisk.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/479d8a87-4925-4506-bb79-eabe7c650c01.file&amp;FriendlyName=Presentation at the Swiss Re Conference :: Mitigating disaster risk among the poor</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/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/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Uganda_IMSR.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/eacb65bc-d4ab-4955-aeab-cbc3a47a364b.file&amp;FriendlyName=Uganda insurance market survey report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FDFN_retirement.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0dd8041f-398d-422d-971d-d1b48aff6aca.file&amp;FriendlyName=Social security &amp; retirement funding :: perspectives from the Financial Diaries</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=MFC_intermediation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/01182838-463e-46ff-b3bd-049f3ba0e7b3.file&amp;FriendlyName=Intermediation - the key challenge for microinsurance :: presentation at the MicroFinance Conference held during 20-23 August 2007</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=funeral_crosscountry.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/18d61d98-81fe-4ae3-8e4c-247a3efaa6cd.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/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=access_btsw04.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ca730abb-b926-4850-b8f3-9a00df8d7a1b.file&amp;FriendlyName=Access to insurance in Botswana</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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/new/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/new/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/new/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/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_intermediaries.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/44859a33-d78e-40aa-b2e7-1e426dbe54fd.file&amp;FriendlyName=Brokering change in the low-income market :: Threats and opportunities to the intermediation of microinsurance in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=AF_insurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/ff829a74-462e-41ff-ab0c-7768013e94c0.file&amp;FriendlyName=Exploring access to short term insurance in SA using the access frontier methodology</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=ConsumerTrust.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a9ccbfd9-d658-4656-8e43-d0c49aab0256.file&amp;FriendlyName=Consumer trust in the life insurance industry :: Is the glass half empty or half full?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Cover_insurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9710e49b-c85a-4060-b5f4-718748f6b63d.file&amp;FriendlyName=Choices facing the broker-model of insurance :: Poverty of Profits at the Top or a Fortune at the Bottom of the Pyramid</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=WD_aliveplus.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/de131b2d-a9d2-4f8d-8561-b491e2eecf62.file&amp;FriendlyName=Working Draft :: Alive+ -- a pilot assessment of an insurance product for the treatment of HIV/AIDS</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Munich_regulator.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/cb428fb0-8ebd-48a3-9c55-08d2822b2d87.file&amp;FriendlyName=Presentation at the 2005 Microinsurance conference :: The Regulator&amp;apos;s dilemma</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=GIBS_healthinsure.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7397715c-39d8-44c7-8753-bf2f6b37156a.file&amp;FriendlyName=Presentation to GIBS :: The access frontier for health insurance</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_Funeral.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/31944b3b-7a2e-4ec0-9e12-d9b36bdb834e.file&amp;FriendlyName=Presentation to the Portfolio Committee on Finance :: Hearing on funeral benefits schemes</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=LOAConvention05.ppt&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/650bb8b4-3e7f-41bc-8874-f58ae30530a7.file&amp;FriendlyName=Presentation to the LOA Convention 2005 :: Meeting consumer expectations</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_SAFSIA.ppt&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/fba957fe-202b-47a1-9b8f-bbdcc168f7ef.file&amp;FriendlyName=Presentation to SAFSIA: Opportunities (and threats?) to insurance in the new South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=LSM_insurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/15ab14ba-83df-47c2-9569-b5d541a7662e.file&amp;FriendlyName=Towards a benchmark for access to life insurance in LSM 1-5</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=SecondTierInsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/49a77b49-d9a6-4751-962d-0095db5310ce.file&amp;FriendlyName=Project Usizo :: Focus group discussions on funeral insurance in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=accesspropositions.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/46941433-93df-4132-8e8a-570db6c07c05.file&amp;FriendlyName=The access propositions - Presentation to SAIA</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=InsuranceScoping_BLNS.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6cd73628-7286-4654-a853-ce1c095f230a.file&amp;FriendlyName=Making insurance markets work for the poor in Botswana, Lesotho, Namibia &amp; Swaziland - Scoping Study</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_collateral.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/60d11b23-fd8b-42c1-9cad-0db25808b7b4.file&amp;FriendlyName=Report :: Investigation into collateral options for lending to micro and small enterprises</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=ES_collateral.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2ccce03c-d65f-4960-b405-78bf9365930c.file&amp;FriendlyName=Executive Summary :: Investigation into collateral options for lending to micro and small enterprises</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/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/new/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>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FPres_HF_FSC.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9707af37-088e-4a6b-8738-313818d96657.file&amp;FriendlyName=Access to housing finance in the Financial Sector Charter target market</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_HFZambia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4703e260-a2d8-4d80-b9e6-8f1ea51fa5c0.file&amp;FriendlyName=Presentation :: Housing Finance in Zambia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMNews5.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0abfc1f7-935b-480e-a8c4-448a3ec9cf9e.file&amp;FriendlyName=TRPM News - Update No. 5 :: 18 January 2005</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMNews_4.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b38f8e35-08a3-40f5-bd28-52132a6c4ba4.file&amp;FriendlyName=TRPM News - Update No 4 ::16 November 2004</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/8b4d868b-a547-4b4f-a1f8-e231442d147e.file&amp;FriendlyName=TRPM Phase 1 :: Annexure A -- Economic Dimensions</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexC.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d4c6d2c9-4b8b-46a8-b223-108c627d25e5.file&amp;FriendlyName=TRPM Phase 1 :: Annexure C -- Scoping Analysis</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1Report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/72d95360-4b30-4f02-92b8-5db9121f4009.file&amp;FriendlyName=TRPM Phase 1 :: General Research Report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1Report.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/68bf0de1-3b87-4e70-a6fb-9054b06a9b79.file&amp;FriendlyName=TRPM Phase 1 :: General Research Report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=TRPMPh1_AnnexD.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a6d74db2-9062-4661-ba6d-3117b62b0c4f.file&amp;FriendlyName=TRPM Phase 1 :: Annexure D -- Land Markets</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=NHFC_Jul03.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/240a9cd3-b748-4438-8f11-d0cd57169bfe.file&amp;FriendlyName=Is the Mortgage Instrument relevant to low income housing? The key question for relevance</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=HI_drivers.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/40f4d78f-7a0c-43e6-b32d-952d7b6ff714.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>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=DSA_medicalschemes.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/81f64223-e29e-4b0f-a637-37bd8eca3bdd.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/new/scriptlibrary/getfile.aspx?filename=Pensionsecuredloans.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/21d6e222-a9cc-477e-a85b-ed986bd3e2a8.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/new/scriptlibrary/getfile.aspx?filename=Pres_FAB.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c6ec21a1-3270-4b06-9a0a-59ae365b1a80.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/new/scriptlibrary/getfile.aspx?filename=Pres_Philippines.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f736fc22-6080-432f-b846-ef44df7cc0a7.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/new/scriptlibrary/getfile.aspx?filename=Pres_india.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d9e0d5da-bcdd-4912-8679-78de2e33264a.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/new/scriptlibrary/getfile.aspx?filename=MIMW4P_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/293a3e6f-2091-4079-97c9-912244b179b3.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/new/scriptlibrary/getfile.aspx?filename=MIMW4P_SouthAfrica.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/660bcabe-e075-4828-8ec3-d4f470616fa9.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/new/scriptlibrary/getfile.aspx?filename=MIMW4P_findings.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b0058292-81b4-44af-a8f3-3276931fcb6c.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/new/scriptlibrary/getfile.aspx?filename=MIMW4P_Colombia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e991eca0-cb92-4a2b-998e-b0c2e64986da.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/new/scriptlibrary/getfile.aspx?filename=MIMW4P_Philippines.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/3b6a93fc-2b62-447a-9fc1-cd6effbdda33.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/new/scriptlibrary/getfile.aspx?filename=Pres_FSIC_Regulation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/c68a2a4e-5bef-4c1a-a4ab-609fa982141f.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/new/scriptlibrary/getfile.aspx?filename=Pres_FSIC_Colombia.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7b9f6be8-ac9c-44c2-a84f-784132037704.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/new/scriptlibrary/getfile.aspx?filename=MIMW4P_India.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0b770eb8-f71c-43c5-95fc-8daf84516944.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/new/scriptlibrary/getfile.aspx?filename=Pres_FSIC_SA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/5584810f-04b7-49f8-b99a-f4301bfbb4c4.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/new/scriptlibrary/getfile.aspx?filename=Pres_FSIC_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/191b8890-4041-4fdc-8e5d-da4a8eba8ca0.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/new/scriptlibrary/getfile.aspx?filename=Pres_FSIC_guidelines.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/fbf7e629-eb5e-4761-be6b-a6b33122b978.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/new/scriptlibrary/getfile.aspx?filename=Pres_WAICAConf.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f4d9b8a4-2a20-4f37-a2d4-1b5ae351486f.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/new/scriptlibrary/getfile.aspx?filename=Pres_MIR_framework.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0c73d974-7624-4b89-9230-71882226e2aa.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/new/scriptlibrary/getfile.aspx?filename=R_Btswpensions.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/e6821c51-eae8-48c5-9f28-d2f1299a2e83.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/new/scriptlibrary/getfile.aspx?filename=Brief_Btswpensions.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/82e4ace0-e115-4f5c-adf4-03b35091c781.file&amp;FriendlyName=Brief :: Pension provision in Botswana</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_Miregulation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2670f086-185e-4c1d-b90a-941a59b208b0.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/new/scriptlibrary/getfile.aspx?filename=CPB_submission.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a4c4b21c-9d6e-4244-81b4-b1ecb9c567c5.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/new/scriptlibrary/getfile.aspx?filename=CPB_annexureA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/368d6c34-f49a-41ea-9b13-9083d991a170.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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=AML_CFT.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/27864e43-62be-4314-be90-7c996234411f.file&amp;FriendlyName=Implementing FATF AML/CFT standards in development countries and financial inclusion :: findings and guidelines</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=CCIPanel.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f635fe49-996b-446a-bf42-5669484f8030.file&amp;FriendlyName=FinMark Trust submission to the Consumer Credit Insurance Panel of Enquiry</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Brief_oldagesaving.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6d7d7c16-4bb3-446d-a9fb-42cec0207b4b.file&amp;FriendlyName=Brief :: Old-age saving by low-income South Africans</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_oldagesaving.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/48e63370-b0d0-4be9-9e86-b093ec1206a8.file&amp;FriendlyName=Presentation :: Old-age saving by low-income South Africans</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_oldagesaving.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/6a3eaf40-c7d7-4c37-ae9b-9d01c33a4846.file&amp;FriendlyName=Report :: Old-age saving by low-income South Africans</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=contractualsavingslessons.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/689057e2-841a-4e14-98ea-5e929fbc8584.file&amp;FriendlyName=The Poor and voluntary long term contractual savings :: lessons from South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=WBC_MIprinciples.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/8540c4ec-0389-46e2-9791-c25a41a8b002.file&amp;FriendlyName=Presentation on emerging principles for the regulation of micro-insurance</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Pres_CGAP_IAIS.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/aa17d66d-34b9-41f7-a92c-a726156b80c5.file&amp;FriendlyName=Presentation on micro-insurance regulation</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=WBC_intermediation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/56b770a5-ce26-44cb-8d6e-8392173f46c8.file&amp;FriendlyName=Emerging issues in micro-insurance intermediation</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=WBC_typologies.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/d4245e6e-3d79-4507-8c5c-392c2d26523a.file&amp;FriendlyName=Emerging micro-insurance intermediary typologies</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_SA_microinsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/95b638c3-6f7c-4978-99dc-2008374dc18b.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>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=pres_mitigatingrisk.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a9404e49-9118-45b1-b137-f99d0c69a305.file&amp;FriendlyName=Presentation at the Swiss Re Conference :: Mitigating disaster risk among the poor</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=MI_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7ab21acd-6e0e-4d7f-94ed-38783ede7988.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/new/scriptlibrary/getfile.aspx?filename=MI_Uganda.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/770747c2-df89-40f7-96b7-be5031a20b89.file&amp;FriendlyName=Micro-insurance in Uganda :: Emerging principles for regulation</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Uganda_IMSR.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/66378937-174f-49d7-882d-7528db9f12b5.file&amp;FriendlyName=Uganda insurance market survey report</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FDFN_retirement.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/0d2fc434-aa71-45a5-8412-136237a05a38.file&amp;FriendlyName=Social security &amp; retirement funding :: perspectives from the Financial Diaries</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=MFC_intermediation.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/7736f61c-e9c6-4f79-a2e5-d1d2dbfdeaf9.file&amp;FriendlyName=Intermediation - the key challenge for microinsurance :: presentation at the MicroFinance Conference held during 20-23 August 2007</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=funeral_crosscountry.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/1435aa9e-74f9-42c6-83f6-756ad9359bf3.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/new/scriptlibrary/getfile.aspx?filename=microinsurance_brief.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/fd46ea31-6bf7-47ac-be66-90e52ab782f6.file&amp;FriendlyName=FinMark Brief :: Intermediation - the key challenge for microinsurance</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=access_btsw04.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2f5230f1-eee2-47bb-8c59-48c9ff1a5fff.file&amp;FriendlyName=Access to insurance in Botswana</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=access_nam04.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/1edcd43b-361c-4e87-aeeb-067e2b51ebab.file&amp;FriendlyName=Access to insurance in Namibia</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=mi_intermedSA.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f29bd4bb-8358-48dc-9014-90b0088f9412.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/new/scriptlibrary/getfile.aspx?filename=Weatherinsurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/34994e1a-0fa7-4657-9c60-d066874bc13c.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/new/scriptlibrary/getfile.aspx?filename=MI_intermediary.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/b292ced2-9ec7-4bec-83c1-c5e4ff5b479f.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/new/scriptlibrary/getfile.aspx?filename=Pres_MunichRe.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/2b191a7b-913c-4d1f-ad39-50baea5277c7.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/new/scriptlibrary/getfile.aspx?filename=insurance_retail.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/a72d9dca-0d78-482a-a86b-5c358a5e72cf.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/new/scriptlibrary/getfile.aspx?filename=Intermediariespres.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/f87339cd-6d72-4d68-9b54-288c1ab2e3fd.file&amp;FriendlyName=Challenges and opportunities facing intermediaries</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_intermediaries.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/4820b0b9-38af-476e-8e17-2acdce86a142.file&amp;FriendlyName=Brokering change in the low-income market :: Threats and opportunities to the intermediation of microinsurance in South Africa</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=AF_insurance.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/1cfcf4ee-5cd1-41d5-9a2e-d030e1ef2a17.file&amp;FriendlyName=Exploring access to short term insurance in SA using the access frontier methodology</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=ConsumerTrust.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/9014d465-c9d8-452e-988a-c49b37a4c68f.file&amp;FriendlyName=Consumer trust in the life insurance industry :: Is the glass half empty or half full?</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=FinDiaries.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/38abdd5f-9979-4c24-b7cb-180ae355b494.file&amp;FriendlyName=Financial Diaries Project</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=Stimes_12Dec04.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/22b1d78e-4f1b-4c51-bacd-6e595a901ccf.file&amp;FriendlyName=Dreams come in all shapes and sizes</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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<url><loc>http://www.finmarktrust.org.za/new/scriptlibrary/getfile.aspx?filename=R_collateral.pdf&amp;file=../module_data/71e3e62d-1eeb-412e-893b-970e98f6a3fa/downloads/839b91b4-565e-4e18-b855-cfd7c43f2219.file&amp;FriendlyName=Report :: Investigation into collateral options for lending to micro and small enterprises</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
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