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Showing 1 to 16 of 16 for “"National Credit Act"”.
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Secondary Debt Prevention Measures in Terms of the National Credit Act 34 of 2005
… overview of progressive development of consumer credit legislation that laid the foundation for the National Credit Act. It constitutes of an overview of consumer credit legislation that governed credit agreements prior to the National Credit Act. It investigates secondary debt prevention …
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Aspect of the debt review process under the National Credit act 34 of 2005
… aspects of the debt review process under the National Credit Act with specific focus on the initiation of the debt review process and the interplay between debt review and debt enforcement. The interplay was done in accordance with the provisions of the Act and case law. An overview of the …
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An analysis of section 86(10) of the National Credit Act no. 32 of 2005
… as is evidenced by the debates surrounding the National Credit Act ('NCA'). Nonetheless, its regulation can be a weapon to fight against poverty and inequality as evidenced by the purposes of the NCA. The object of this research is to analyse the law on debt review, focusing on the credit …
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Selected contracts of sale of movable goods in terms of the National Credit Act 34 of 2005
The National Credit Act 34 of 2005 (“NCA”) is applicable to three main categories of credit agreements, the credit facility, credit transaction, and the credit guarantee. The credit guarantee in terms of section 8(5) is an undertaking or a promise by a person to satisfy the obligation of another …
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The field of application of the National Credit Act 34 of 2005 : a critical over view of the agreement
The credit industry in South Africa has grown exponentially over the past two decades. Previously the industry was regulated by different Acts that had to be interpreted jointly, and while there was an overlap between them they also differed. The dual implementation made consumer credit an …
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The impact of the National Credit Act on the growth of small business lending in the Vhembe Region of Limpopo
The main purpose of this study is to asses the impact of the National Credit Act (NCA) no 34 of 2005 on the growth of the small retail business lending in the Vhembe region of Limpopo. Over the years there has been an outcry by the small business industry that the banks were unwilling to offer …
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Pre-contractual assessments in mortgage loans: Promoting responsible lending or exacerbating financial exclusion? - A comparative study of the South African National Credit Act and the European Mortgage Credit Directive
In recent years, pre-contractual assessments in consumer credit agreements, including affordability assessments, have made their way up the priority ladder for legislators. International institutions such as the World Bank promote pre-contractual (affordability) assessments as a key regulatory tool …
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Unlawful sale of state-subsidised houses by the Cape Town community housing company
… beneficiaries who purchase houses through credit agreements. I look at the legislative framework that protects the right to access to housing in terms of section 26 of the Constitution. I consider a Constitutional Court case Amardien and Eleven Others v Cape Town Community Housing Company …
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A workable debt review process for South Africa : at last?
The National Credit Act 34 of 2005 and its Regulations came into full effect on 1 June 2007. In order to protect consumers by addressing over-indebtedness, the Act introduces a novel process of debt review in which a new agent, the debt counsellor, plays an important role to help relieve a …
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Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing
… hostile regulations (specifically within the National Credit Act) have created barriers preventing the scaling of local digital lending platforms. The goal of this research is to examine the role of P2P lending as potential funding solution for small and medium-sized enterprises (SMEs) …
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Essays on financial market regulatory frameworks and financial inclusion
… how financial market regulation influences credit supply and pricing in segmented and underserved markets, with particular focus on non-bank financial institutions (NBFIs) and microfinance institutions (MFIs). The study explored a key policy dilemma: while regulation aims to enhance consumer …
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South Africa's national credit amendment act 7 of 2019: progression or regression for natural person debt relief
… the form of sequestration under the insolvency Act, administration orders under the Magistrates Courts Act, and debt relief under the National Credit Act, have failed to aid in the plight of the no income no asset (‘NINA') debtor. Barriers to access and financial obligations in attaining any …
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Rules and rands: credit legislation and developmental credit to micro and small enterprises in South Africa
… is constrained by the lack of access to credit for growth, which is a result of a deficit of credit information among other contributing factors. This inhibits their growth. In South Africa, developmental credit was introduced through the National Credit Act 34 of 2005 to improve access …
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The dynamics of consumer credit and household indebtedness in South Africa
Consumer credit has become an important element of the South African economy. Given the limits on state social security payments, and the chronic absence of substantial household savings, consumer credit has come to play a vital role as a substitute for income support and/or a complement to low …
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Die effek van die Nasionale Kredietwet op die sekwestrasieprosedure
… as well as the other provisions of the National Credit Act, on the choice of the debtor or creditor to make use of the sequestration procedure in terms of the Insolvency Act. The Insolvency Act and the procedures it makes available are discussed in detail. There are two distinguishable …
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Economic empowerment through business loans - A critical look at credit protection law for small, micro and medium enterprises in South Africa and Australia
… be answered in this dissertation is whether the National Credit Act 34 of 2005 (the NCA), promotes or impedes the sustainable growth of the South African economy. This question will be answered through exploring the importance of the contribution made by small, micro and medium enterprises …