Why borrowers repay more when they have something to lose
Borrower information

Why borrowers repay more when they have something to lose

Loan repayment is often influenced by more than income or willingness to pay, it is also shaped by accountability. Borrowers are often more likely to repay when they have something meaningful to lose, and guarantors are one of the clearest examples of this dynamic. When a trusted friend, family member, or colleague stands behind a loan, repayment carries social, financial, and reputational consequences beyond the borrower alone. For lenders, guarantor-backed lending can strengthen repayment behavior while creating an added layer of confidence in credit decisions.

How to get travel loans in South Africa
Borrower information

How to get travel loans in South Africa

But something has been shifting. More and more South Africans are finding creative ways to make travel happen, saving in group stokvels, booking off-season, or, increasingly, taking out travel loans.

The rise of retail finance in South Africa and what it means for modern lenders
Lender information

The rise of retail finance in South Africa and what it means for modern lenders

South Africa’s retail finance space needs better execution solutions that work at the margins. This article explores how retail finance in South Africa is evolving and what’s driving the growth.