Hamba Umhlaba Travel stokvel is a savings pool where a group of individuals contribute an agreed-upon monthly amount. The group have full control of how they would like to use that money. Two common methods are to pay out monthly or annually.
To download the the stokvel application form click here HAMBA UMHLABA TRAVEL – STOKVEL_APPLICATION_FORM
To download the stokvel constitution click here Hamba Umhlaba Travel Stokvel Constitution 2019.docx