“The applicant [Kawang] submitted that he did not break the rule. The applicant initially maintained that he was involved in a stokvel, but under cross-examination he conceded that some people had borrowed money from the scheme. He further conceded that interest was charged during 2017 on the borrowed money but averred that he did not agree with the decision and as such terminated his membership,” read the judgment. Though Kawang left the stokvel in December 2017, being uncomfortable with the changes, and it continued after him, acting judge AJ Myburgh found him guilty because he…