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African households prioritize funeral rites, with important consequences on their welfare. Poor workers with no savings have one investment — their burial society. This article uses the transformation taking place in burial societies to make three arguments. First, social relationships do not only make and help entrepreneurs, but they can also transform and be the threshold of social entrepreneurship. Second, burial societies' innovation in pro-poor products is local-demand specific but lacks adequate and sustainable capital back-up. Finally, meaningful entrepreneurial returns demand scaling down the membership size of clubs which unfortunately limit venture capitalization and cause network failures — a trade-off that seemingly maintains the social entrepreneurship in African Burial Societies.

This paper employs panel data regression analysis to explore the measurable differences in risk-capitalization relationship between FHC and non-FHC organized Banks. The main contribution of this paper is in explaining some rethinking which shows the business of FHCBs take more risk than that of NFHCBs, and high degree of capitalization is negatively associated with asset risk and has higher interest rate spread increased bank’s asset risk in FHCBs only. It obviously has its strong anti-incentives domination for high capital banks group in NFHCHs, which a high degree of loans ratio, loans ratio is positively associated with asset risk in NFHCBs only. A large degree of bank size, bank size is negatively associated with asset risk in FHCBs only. The prior studies and previous hypothesis indicate that risk level increases when the bank capital size is high but the finding in this paper is inconsistent with the previous research.