This article discusses the challenges affecting the achievement of financial inclusion for the poor and low-income earners in South Africa. The concept of financial inclusion could be defined as the provision of affordable financial products and services to all members of the society by the government and/or other relevant role-players such as financial services providers. This article identifies unemployment, poverty, financial illiteracy, over-indebtedness, high bank fees, mistrust of the banking system, lack of relevant national identity documentation and poor legislative framework for financial inclusion as some of the challenges affecting the full attainment of financial inclusion for the poor and low-income earners in South Africa. Given these flaws, the article highlights the need for the government, financial institutions and other relevant stakeholders to adopt legislative and other measures as an antidote to financial exclusion and poverty challenges affecting the poor and low-income earners in South Africa.

本文讨论了影响南非贫困和低收入者实现金融包容性的挑战。金融包容性的概念可以定义为政府和/或其他相关角色参与者（例如金融服务提供商）向社会所有成员提供负担得起的金融产品和服务。本文指出失业，贫困，金融文盲，过度负债，银行手续费高昂，对银行体系的不信任，缺乏相关的国民身份证明文件以及金融普惠性的立法框架不完善是影响完全实现金融普惠性的一些挑战。南非的穷人和低收入者。鉴于这些缺陷，本文强调了政府的必要性，