Download the Credit Stress Report Q1 2021 sees continuing deterioration for youth As South Africa heads into its third wave, South Africans are...
Credit Stress Report 2021 Q1 is out
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Resources
Credit
Credit Stress Report 2020 Q4 is out
Download the Quarter FOUR Credit Stress Report Q4 2020 sees new mortgages rise As South Africa’s confirmed COVID-19 cases crossed the 1 million mark...
Sizing the market for Housing Micro-Finance in South Africa
Sizing the market for Housing Micro-Finance in South Africa: Report for the Rural Housing Loan Fund Household led investment by low-income...
Credit Markets in South Africa – The Consumer Experience
The number of active credit consumers in South Africa has grown strongly in recent years. According to the NCR, as at Q3 2016 there were over 24...
Eighty20 hosts local bitcoin exchange, BitX
Eighty20 has invited Pieter Heyns from BitX, a local Bitcoin exchange, to come and talk to our friends, network and wider community about the...
Open Data Standards for Financial Inclusion
What role can big data play in helping regulators, policymakers, financial service providers, and researchers to assess inclusion, market conduct...
Student Debt in South Africa
Eighty20 was invited to speak about Student Debt in South Africa at the All Africa Credit Congress held in Johannesburg on 16 – 17 May 2016....
Tracking Mortgage Loan Performance by Market Segment in South Africa: 2004-2014
Illana Melzer from Eighty20 together with CAHF and the FinMark Trust launched the latest research on mortgage loan performance in South...
What should we do about consumer credit markets in SA?
The situation is dire. According to the Credit Bureau Monitor published by the NCR 1 32% of credit active South Africans are in arrears of 90 days...
From Fees to Interest: How Banks Are Changing the Savings Conversation
If you’ve been paying attention to financial institution adverts recently, you may have noticed that instead of competing on fees, rewards...
Young Consumers Face Mounting Credit Stress in South Africa
As South Africa commemorates Youth Day in June, the spotlight turns to a generation entering adulthood under increasingly constrained economic...
Vehicle Asset Finance sees recovery as credit terms change significantly
Read the BusinessTech article here: Major win for South Africa’s middle class The third quarter of 2025 saw continued credit expansion from the...
Gambling with your future: The impact of gambling on the SA economy
Listen to The Money Show interview here: The growing footprint of gambling in South Africa, What Does the US-China Trade Truce Mean for Global...
South Africa’s savings landscape – access, risk & opportunity
Listen to the CapeTalk interview here: South Africa’s savings landscape While South Africans have historically struggled with savings, several...
Thin File Clients in South Africa’s Financial Landscape
Watch the eNCA interview here: Cost of living | 700,000 new credit individuals added in Q1 – eNCA In South Africa, credit touches the lives of...
Debt counselling can ease credit stress, but uptake remains low
Download the Credit Stress Report With the festive season upon us, economic indicators in South Africa are shining brighter than in many years,...
Understanding short-term insurance habits
Read the Bizcommunity article here: Navigating short-term insurance: Insights into SA’s consumer behaviour How South Africans prioritise...
High cost of car ownership keeps 1.9 million car finance holders stagnant
Read the Daily Maverick article here: Financing costs and prices slam brakes on SA’s new car sector The demand for new vehicles falls There are...
Cautious optimism to be applied to the credit sector
Download the Credit Stress Report Read the Daily Maverick article here: After the Bell: I owe, I owe, it’s off to the sea of household debt I go...
Increased credit stress crippling even the wealthiest
Download the Credit Stress Report Economic conditions leaves both struggling and wealthy South Africans spiralling into debt As South Africans began...
Tapped-out consumers use credit for daily needs
Source: Convenience Store Retailer: Convenience Store Retailer This was revealed by Eighty20, a consumer strategy, analytics and research company...
Middle-class South Africa is drowning
eNCA interview: Credit stress strains middle class The recent repo rate hike by the South African Reserve Bank (SARB) raises more alarm bells for...
Signs of growing credit stress on South African middle income consumers
Source: South African middle-class workers buckling under severe credit stress Download the Credit Stress Report The report shows some alarming...
Credit Stress on the South African Consumer
South African consumers have experienced five lending rate increases in less than a year – amounting to the largest total increase in nearly two...
Eighty20 helps employers with financial wellness in the workplace
Financial stress is clearly a problem for many South Africans. According to the NCR, less than half of those who are credit active are current on...
Financial inclusion lessons from SASSA and Net1
We have followed the Net1 SASSA story closely for a long time and first wrote about it in late 2016, see Financial Inclusion and G2P payments. This...
Financial Inclusion and G2P payments: Lessons from South Africa
G2P payments in South Africa, banking millions? The South African government, through the South African Social Security Agency (SASSA), provides...
Remittances for Financial Inclusion
Illana Melzer, Director of Strategic Research at Eighty20, presented at the Alternative Banking Conference on 29 October 2015 in Johannesburg. The...
Money Transfers in South Africa
The Eight20 Money Transfers Survey was commissioned by FinMark Trust in collaboration with Cenfri. The survey forms part of a larger study to better...
Access to and performance of FSC loans – a review of available data
This presentation was prepared for CHAF and presented by Illana Melzer at the 2010 FinMark Forum. This work is based on the Access Frontier series...
