5 “credit” means any loan, advance or other disbursement of a sum of money in exchange for a right to repayment of the amount disbursed and to the payment of interest or other charges on such amount; “culpable person” means any person identified by the administrator as a culpable person in terms of section 9(1)(b); “financial institution” means— (a) any banking institution registered or required to be registered in terms of the Banking Act [Chapter 24:20]; or (b) any building society registered or required to be registered in terms of the Building Societies Act [Chapter 24:02]; or (c) the People’s Own Savings Bank established in terms of the People’s Own Savings Bank of Zimbabwe Act [Chapter 24:22]; or (d) the Reserve Bank of Zimbabwe referred to in section 4 of the Reserve Bank of Zimbabwe Act [Chapter 22:15]; or (e) an asset manager as defined in the Asset Management Act [Chapter 24:26]; or (f) a collective investment scheme as defined in section 3 of the Collective Investment Schemes Act, 1997; or (g) any person who carries on a business of acceptance of deposits and other repayable funds from the public; “interim board” means the board of directors in which the management of a reconstructed company is vested in terms of section 23(1)(m); “member”, in relation to a company, means⎯ (a) a shareholder, debenture-holder or other person having a right to vote at meetings of the company; or (b) any contributory as defined in section 202 of the Act; "Minister" means the Minister of Justice, Legal and Parliamentary Affairs or any other Minister to whom the President may, from time to time, assign the administration of this Act; “public funds” means funds held by or on behalf of the State (whether or not appropriated by Act of Parliament) and includes the funds of any statutory corporation or State-controlled company; “reconstructed company” means a company that has been reconstructed in accordance with a scheme of reconstruction, and includes a company formed in succession to a company under reconstruction that was dissolved; “reconstruction”, in relation to a company, means the reconstruction of the company in accordance with a reconstruction order or a scheme of reconstruction; “reconstruction order” means a reconstruction order issued in terms of section 4; “Reserve Bank of Zimbabwe” means the Reserve Bank of Zimbabwe referred to in section 4 of the Reserve Bank of Zimbabwe Act [Chapter 24:22];