NATIONAL AND PROVINCIAL SERVICE PROVIDERS. The main national and provincial stakeholders that deal with co‐operative development are the following: The Department of Social Welfare, Department of Small business development, South African National Apex Co‐operative (SANACO), The National Empowerment Fund (NEF), National Small Enterprise Financial Agency (SEFA) The Industrial Development Corporation (IDC), Micro‐Agricultural Financial Institute of South Africa (MAFISA), Women Entrepreneurs Fund (WEF), National Youth Development Agency (NYDA): The Department of Agriculture and Environmental Affairs, The Department of Trade and Industry, KwaZulu‐Natal Department of Economic Development and Tourism (KZN DEDT), Ithala Development Finance Corporation, Small Enterprises Development Agency (SEDA), Further Education and Training (FET) institutions, Non‐government organisations, Provincial Small Business Development Agency (SBDA), Co‐operative Bank Development Agency (CBDA), University of Zululand, faculty of Commerce, Administration & Law.