South African households have long struggled under the burden of consumer debt, and recent data reveals that the situation is becoming more strained. This article explores the relationship between per-capita consumer debt and Gross Domestic…

For most of human history, getting a loan didn’t involve a number—it involved a relationship. Local bankers knew your name, your family, your work ethic, and they judged risk based on personal knowledge. But as…

“The rich rule over the poor, and the borrower is slave to the lender.” – Proverbs 22:7 It’s a verse we’ve heard many times. It rolls off the tongue like ancient wisdom—but what does it…