Articles on financial inclusion

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Social grant recipients waiting in Gugulethu, Cape Town. A battle over social grant payment tender threatens the system. EPA/NIC BOTHMA

The real risks behind South Africa’s social grant payment crisis

The South African Social Security Agency has created a crisis that threatens to deliver social grant recipients on a silver platter into the hands of unscrupulous financial services companies.
Retailers offer ‘rewards’ programs and loyalty cards that can trap customers into a debt cycle. Deborah James

Obligations, repayments and regulations: the debt conundrum in the global South

In the global South, where some argue that "everyone is now middle class", people are reluctant to acknowledge that they need to borrow money – and the stigma drives them to dodge their debts.
A Kenyan woman does a financial transaction using her mobile phone. Africaknows/Joshua Wanyama

Why financial inclusion needs a new frontier – asset building

Financial inclusion has so far focused on enhancing a poor person’s cash flow. But it needs to involve more. Not enough consideration is given to encouraging poor people to build assets.

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