• Acknowledgements
  

Acknowledgements

We would like to thank all those who provided the necessary information and comments for this study. In particular: the Credit Standing Committee of the JCC and Mr R Gross, GTZ consultant for the Ministry of Trade and Industry, for revising the terms of reference and commenting on the draft; JCC Chairman, Mr C Truebody, for his review on the long-term experience of the Private Sector Foundation in the small business sector; Mr K Kruger, for undertaking some of the interviews. Thanks also to Ms P Caplan for her editing assistance and for laying out the report.