There are underprivileged out in the rural, peri-urban and urban areas that do not have •  access to credit;  •  are not familiar with the mechanism of savings & loans;  •  financial & investment products; and  6  BIS Review 108/2009  •  need to be educated on basic financial management.
Credit Unions have a primary role to play in this area and in particular, members must be well informed and educated in financial matters. Let me round off by touching a bit on the intentions of the Reserve Bank of Fiji in having the poor or those considered non-bankable being provided access to credit and financing facilities so as to help reduce poverty.