6. Recommendations The South African Micro-finance Apex Fund (Samaf) should endeavour to ensure that its lending criterion is standardized in all provinces. . The Economic Development Department should investigate and examine the possibility of regulating Samaf. . Some of the visits to FSCs and clients will be unannounced. . When conducting its oversight visits in the future, Samaf needs to arrange separate meetings (as identified by the committee) between the committee and the clients, and between the committee and the FSC. . Samaf should brief the committee on its costs and procedure structures to the FSCs and of the FSCs to the clients.