Research Reports
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Source domain: ncr.org.za
Collected on 28 June 2026
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Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South Africa
This report analyzes the trends in unsecured credit during the pandemic, focusing on consumer behavior, credit card usage, and store card activity across South Africa.
- Who it is for
- economic analysts, credit providers, financial regulators, consumer advocates
- How to act on it
- Visit the NCR website and navigate to the Research Reports section to download the document
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May 2021 Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal 2013 Outcomes evaluation of educational workshops
Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012
This report presents findings from the 2012 FinScope survey on credit and borrowing behaviors among South African consumers, including access, usage, and repayment patterns.
- Who it is for
- researchers, financial inclusion advocates, credit providers, government agencies
- How to act on it
- Visit the NCR website and navigate to the Research Reports section to download the document
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Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012
Investigation on the Effectiveness of the Alternative Dispute Resolution (ADR) Market in South Africa
This report evaluates how effectively the ADR system functions in resolving credit disputes between consumers and credit providers in South Africa.
- Who it is for
- dispute resolution practitioners, credit providers, consumer protection officers, legal professionals
- How to act on it
- Visit the NCR website and navigate to the Research Reports section to download the document
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Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa
Credit Law Review: Setting the Scene
This foundational report sets out the context and rationale for reviewing South Africa's credit laws, identifying key issues and reform priorities.
- Who it is for
- legal scholars, lawmakers, regulatory officials, credit industry representatives
- How to act on it
- Visit the NCR website and navigate to the Research Reports section to download the document
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Credit law review: setting the scene
Literature Review on the Impact of the National Credit Act (NCA) Has Had on South Africa’s Credit Market
This report reviews existing literature on the effects of the National Credit Act on the South African credit market, assessing its role in shaping credit access, affordability, and consumer protection.
- Who it is for
- policymakers, legal experts, academic researchers, credit market analysts
- How to act on it
- Visit the NCR website and navigate to the Research Reports section to download the document
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LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA’S CREDIT MARKET
Alternative Data Landscape in South Africa
This report examines the use and impact of alternative data sources in credit assessment within South Africa. It provides insights into how non-traditional data can improve access to credit for underserved populations.
- Who it is for
- researchers, financial institutions, policymakers, credit industry professionals
- How to act on it
- Visit the NCR website and navigate to the Research Reports section to download the document
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June 2021 Alternative Data Landscape in South Africa
Research on the Increase of Unsecured Personal Loans in South Africa Credit Market - Executive Summary
This executive summary outlines findings on the growing trend of unsecured personal loans in South Africa, highlighting risks and implications for consumers and the financial sector.
- Who it is for
- financial regulators, credit risk analysts, consumer protection bodies, policymakers
- How to act on it
- Visit the NCR website and navigate to the Research Reports section to download the document
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Research on the increase of unsecured personal loans in South Africa credit market - Executive summary
Facts
Reference
https://www.ncr.org.za/index.php/publications/research-reports
Key Takeaways
- publisher: National Credit Regulator
- report dates: June 2021, September 2024, August 2024
- topics: credit market analysis, alternative data, consumer credit impact, credit law reviews
- specific reports: Alternative Data Landscape in South Africa, Unsecured Credit and COVID-19 Impact, Credit Law Review
- contact info: Physical Address 127 - 15th Road Randjespark Midrand 1683