Poor coordination and conflicting policies between relevant financial institutions or agencies have been identified as some of the glaring challenges in accessing government financial services. Participants are dissatisfied with the lack of skills, poor leadership and competency levels displayed by the DFIs' staff. On the other hand, potential participants and actual recipients also lack the necessary skills and expertise to help them qualify for financial assistance to manage financial matters. In many instances this is due to the high levels of illiteracy in the country. Some participants are unhappy with the apparent nepotism practiced in the DFIs. There is also disgruntlement over Government tender processes that do not create jobs, but tend to favour big businesses and large corporations.