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AAA Investments annual apartheid Ardington n 31 assessed bomachonisa borrower's buyer Cape Town charge interest clients Co-operatives compliance costs Credit Agreements Act credit law credit provider debt and skinned debtor Development and Labour developmental credit agreements enforcement mechanisms entities financial sector financial services furniture stores Gobodo report supra Grameen Bank greedy debt administrators hire purchase Ibid income industry in South informal savings clubs Institute of Development interest rates investigate Jan Theron juristic person loan amount low-income Magistrates MFRC Rules microcredit industry microfinance industry microfinance institutions Microfinance Regulatory Council microlenders microloan agreement Minister money lending transactions National Credit Bill National Credit Regulator non-compliance Occasional paper operate organisations over-indebtedness payment poor repayment retail Rondebosch ROSCAs SACCOs Savings and Credit Schoombie Section skinned alive South Africa South African MFIs Southern Africa stokvel University of Cape unregistered lenders unscrupulous Usury Act Exemption Western Cape www.mfrc.co.za accessed