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=== Financial services === {{Seealso|Predatory lending|Loan shark}} For low-income individuals and families, access to [[credit]] can be limited, [[Predatory lending|predatory]], or both, making it difficult to find the financial resources they need to invest in their futures.<ref>{{Cite journal |last1=Hartfree |first1=Yvette |last2=Collard |first2=Sharon |date=2015-10-01 |title=Locating credit and debt within an anti-poverty strategy for the UK |url=https://bristoluniversitypressdigital.com/view/journals/jpsj/23/3/article-p203.xml |journal=Journal of Poverty and Social Justice |language=en |volume=23 |issue=3 |pages=203β214 |doi=10.1332/175982715X14443317211950 |s2cid=167507335 |issn=1759-8273|hdl=1983/9dc0d10f-b10d-4e4a-82e9-0957a4226608 |hdl-access=free }}</ref><ref>{{Citation |last1=Chaniwa |first1=Marjorie |title=Ending Poverty Through Affordable Credit to Small-Scale Cotton Farmers: The Case of the Cotton Company of Zimbabwe |date=2020 |work=Scaling up SDGs Implementation: Emerging Cases from State, Development and Private Sectors |pages=115β127 |editor-last=Nhamo |editor-first=Godwell |place=Cham |publisher=Springer International Publishing |language=en |doi=10.1007/978-3-030-33216-7_8 |isbn=978-3-030-33216-7 |last2=Nyawenze |first2=Collen |last3=Mandumbu |first3=Ronald |last4=Mutsiveri |first4=Godfrey |last5=Gadzirayi |first5=Christopher T. |last6=Munyati |first6=Vincent T. |last7=Rugare |first7=Joyful Tatenda |series=Sustainable Development Goals Series |s2cid=214161949 |editor2-last=Odularu |editor2-first=Gbadebo O. A. |editor3-last=Mjimba |editor3-first=Vuyo}}</ref>
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