South Africa's substantial presence in Swaziland's domestic economy essentially means that South African business is the driving force in Swaziland's domestic commerce. South African employers and investors dominate certain sectors of local trade. Recently, however, the government has been working on programs to encourage local ownership and operation of small to medium-sized establishments. A few franchises have been established. Bargaining is an accepted practice in many Swazi business deals. The most developed distribution routes are those connecting to South Africa. Mbabane and Manzini are the principal commercial centers. Manufactured articles are generally available in all urban centers and are marketed mostly by South Africans.
Business hours are from 8:15 or 8:30 AM to 1 PM and from 2 to 5 PM , Monday–Friday, and from 8:15 or 8:30 AM to 1 PM , Saturday. Banks are open weekdays from 8:30 AM to 1 PM and Saturdays from 8:30 to 11 AM .