reform. We have a law that was passed by Parliament. It sets out that when you are overindebted, there is firstly mediation. You get debt counseling. There is a postponement of the period of the payment of the debt. And, if all else fails, your debt is extinguished; it's removed.
That's what the legislation deals with, step by step. We are now working on ensuring that the effect of that is implemented and we are doing it through the work that I've indicated needs to be done.
Over and above that, there is an important role for us in public education, financial literacy and in acting against loan sharks. Loan sharks are a pernicious grouping in our society because they trap people in overindebtedness and charge enormous rates of interest. So, it's a combination of this. Finally, we have to prosecute the mashonisas and the loan sharks that in many cases break the law and prey on poor people.
