1. Credit and debt: Problems In Accessing and dealing with it Ina Wilken - 2007 - - South African National Consumer Union -

4. Disbursements: Quarter ending February ‘07 NCR Industry Statistics 0.52% 24,894 0.7% $8,414,979 Section 21 Companies 0.41% 19,700 0.8% $10,404,721 Co-Operatives 2.49% 119,667 0.8% $10,139,383 Trusts 32.37% 1,557,136 13.7% $172,865,174 Close Corporations 38.45% 1,849,989 43.8% $552,556,405 Private Companies 0.86% 41,404 0.3% $3,371,115 Public Companies 24.90% 1,198,068 40.0% $504,920,800 Banks 100.00% 4,810,858 100.0% $1,262,672,576 Total for Industry % of Industry by number Number of loans disbursed % of Industry by value Total Disbursements

7. Structure for recourse in South Africa www.finmarktrust.org.za

11. Income Profile: LSM1 – LSM9

12. LSM Spending Profile

13. LSM Banking Profile

14. Educating SANCU’s “self-help approach”

15. The “Water Tank” Diagram

16. i) Calculate your income

17. ii) Fixed Payments

18. iii) Variable Payments

19. iv) Discretionary Payments

20. v) Your personal Budget Sheet