DFIs . Poor visibility of DFIs in communities, particularly in under resourced, remote areas where poverty is prevalent. . Funding agencies' marketing is reportedly weak and sporadic. . Recipients are sometimes offered inappropriate products with dire consequences. Several participants complained that the structure of the funding package provided was inappropriate for the specific sector. For instance, participant, Mr T. Mokoena told the committee that his company Katlego Chemicals approached several government finance institutions but his pleas fell on deaf ears until the IDC decided to finance his company. Mr T. Mokoena reports that he was granted funds but it was the wrong type of funding which became burdensome. The company, which he says had a potential of creating jobs ended up losing money, business opportunities and it finally shut down some of its factories. . Some DFI staff lack the skills while others lack a sense of urgency to provide services to SMMEs and cooperatives. . There is little or no structured interagency referrals, tracking and aftercare. . Co-ordination between DFIs is poor and renders them inefficient and ineffective. For instance, where there is a samaf and a Khula office in the same area, there is sometimes a duplication of roles and responsibilities.