“…The voluntary sector includes non-governmental organisations (NGOs), community based organisations (CBOs) and faith based organisations (FBOs) (Hasan, 1990(Hasan, , 2002Picciotto, 1995;Gaye and Diallo, 1997;Krishna, 2003;Tukahirwa & Mol, 2010;Schwartz & Sanga, 2010). Picciotto (1995) notes that for effective market operation, voluntary organisations are needed in countries where the market and the state are poised in relative to fill gaps in provision, restrain the state, point out excesses of market, and provide avenues for participation and cooperation.…”