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The impact of the National Credit Act on micro lending sales in a bank in South Africa
Dissertation (MBA)--University of Pretoria, 2010.
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| Format: | Thesis |
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University of Pretoria
2013
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| _version_ | 1867613704683520000 |
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| access_status_str | Open Access |
| author2 | Price, Gavin |
| author_browse | Price, Gavin |
| author_facet | Price, Gavin |
| collection | Thesis |
| dc_rights_str_mv | © 2008, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Dissertation (MBA)--University of Pretoria, 2010. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/23242 |
| institution | University of Pretoria (South Africa) |
| last_indexed | 2026-06-10T12:40:23.116Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2013 |
| publishDateRange | 2013 |
| publishDateSort | 2013 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/23242 The impact of the National Credit Act on micro lending sales in a bank in South Africa Price, Gavin zelna@zrc.co.za Rossouw, Zelna UCTD Microfinance Dissertation (MBA)--University of Pretoria, 2010. The South African Government moved aggressively to curb predatory lending, consumer abuses and outdated, piecemeal and ineffective legislation on consumer credit through the introduction of the National Credit (2005) and Regulations (2006). As a result the financial institutions and consumers are experiencing increasing pressure from the National Credit Act due to the strict lending regulations placed on the loans that it provides to its consumers or customers. The objective of this research is to determine the impact of the National Credit Act on the sales of a Micro Loan to a customer of a specific bank within South Africa. The research approach of data triangulation research approach was used, divided into two phases. Phase one consisted of data analysed from the specific bank in question and supports the framework and foundation for phase two which consisted of face-to-face semi-structured in-depth interviews with ten industry Micro Lending Industry Experts within South Africa. Content analysis and constant comparative analysis was used to identify the key patterns and themes that emerged The research found that the National Credit Act has had a significant impact on the Micro Lending Market with creating a more formal market and decreasing the informal market. The impact on the consumers repayment default on a micro loan was also significant and defaults decrease following the implementation. The general assumption that not enough time was given to the original goals set out by the Act to support the South African economy. Copyright Gordon Institute of Business Science (GIBS) unrestricted 2013-09-06T14:49:03Z 2010-06-02 2013-09-06T14:49:03Z 2010-03-16 2010-06-02 2010-03-16 Dissertation Rossouw, Z 2008, The impact of the National Credit Act on micro lending sales in a bank in South Africa, MBA dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://hdl.handle.net/2263/23242 > G10/83/mh http://hdl.handle.net/2263/23242 http://upetd.up.ac.za/thesis/available/etd-03162010-150538/ © 2008, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Microfinance The impact of the National Credit Act on micro lending sales in a bank in South Africa |
| title | The impact of the National Credit Act on micro lending sales in a bank in South Africa |
| title_full | The impact of the National Credit Act on micro lending sales in a bank in South Africa |
| title_fullStr | The impact of the National Credit Act on micro lending sales in a bank in South Africa |
| title_full_unstemmed | The impact of the National Credit Act on micro lending sales in a bank in South Africa |
| title_short | The impact of the National Credit Act on micro lending sales in a bank in South Africa |
| title_sort | impact of the national credit act on micro lending sales in a bank in south africa |
| topic | UCTD Microfinance |
| url | http://hdl.handle.net/2263/23242 http://upetd.up.ac.za/thesis/available/etd-03162010-150538/ |