This study aimed to develop a causal chain that illustrates the path through which a variety of factors influence consumer financial vulnerability. In order to achieve the stated aim, it was necessary to firstly identify ...

One of the challenges that South Africa has been facing lately is the high level of household debt. Since the dramatic drop from 12 to 5.5 percent in 2008, interest rates have been on a constant hiking cycle (SARB, 2015). ...