. Bad debt remains a challenge for the FSC, which is currently at 20%. . Samaf's assistance to Sibanye has contributed to its sustainability and viability. . The aim of government funding is not for FSCs to enrich themselves, but to assist the poor and the needy and therefore the interests charged by FSCs should not be too excessive (in the case of Sibanye at 40 percent on the reducing balance sheet, which still comes to between 26 - 28%). The interests charged by Sibanye to its clients need to be reviewed. . The committee commended Sibanye for a job well done and the excellent infrastructure that are currently in place to assist those in need.