Citizen journalism is journalism where citizens play an active role in the process of collecting, reporting, analyzing and disseminating news and information.

Microfinance is a of financial services targeting individuals and small businesses who lack access to conventional banking and related services. Microfinance includes microcredit, the provision of small loans to poor clients; savings and checking accounts; microinsurance; and payment systems, among other services

<style type="text/css">td {border: 1px solid #cccccc;}br {mso-data-placement:same-cell;}</style><span style="font-size:10pt;font-family:Arial;font-style:normal;" data-sheets-root="1">The African National Congress (ANC) won independence and has been the governing party of the Republic of South Africa since 1994. In the recent national elections, they lost many seats and have agreed a coalition deal with the Democratic Alliance (DA), a centre neoliberal party to form a government. The DA supports policies such as a lower budget deficit and a deregulated market. The ANC passed on options to strike such similar deals with the EFF, a far left-leaning, black nationalist party which has historically pushed for policies like land expropiation.</span>