Over 11 million South Africans actively participate in stokvels. It's a sector that's evolving and growing, and is especially relevant in the trying economic times we find ourselves in.

Guest: Patrick Palmi, believer in the power of stokvels and township smme development.

He is the CEO of Just Palm, a Johannesburg-based digital marketing agency that's rapidly expanding into other regions.

Just Palm is a mobile marketing and digital media agency which specialises in integrated mobile marketing and mobile media strategies to suit brands across the Continent.

Palmi was born and raised in DRC before moving to South Africa in 2001 to pursue a degree in engineering at University of Johannesburg (UJ).