-- Table structure for table `bak_zbk92_menu_types`
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CREATE TABLE `bak_zbk92_menu_types` (
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--
-- Dumping data for table `bak_zbk92_menu_types`
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INSERT INTO `bak_zbk92_menu_types` (`id`, `asset_id`, `menutype`, `title`, `description`, `client_id`) VALUES (1,0,'mainmenu','Main Menu','The main menu for the site',0),(2,94,'side-menu','Register of Registrants','registratrants',0);

--
-- Table structure for table `bak_zbk92_messages`
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-- Dumping data for table `bak_zbk92_messages`
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--
-- Table structure for table `bak_zbk92_messages_cfg`
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CREATE TABLE `bak_zbk92_messages_cfg` (
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-- Dumping data for table `bak_zbk92_messages_cfg`
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--
-- Table structure for table `bak_zbk92_modules`
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CREATE TABLE `bak_zbk92_modules` (
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--
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3\\\",\\\"img\\\":\\\"images\\/slider\\/1031AD-NCR-WEB-BANNER3.jpg\\\",\\\"text\\\":\\\"\\\"}],\\\"dir\\\":{\\\"path\\\":\\\"images\\/slider\\/\\\",\\\"ext\\\":\\\".jpg,.png\\\"},\\\"art\\\":{\\\"src\\\":\\\"art\\\",\\\"art\\\":null,\\\"cat\\\":null,\\\"sort\\\":\\\"id\\\",\\\"dir\\\":\\\"asc\\\",\\\"showtitle\\\":\\\"0\\\",\\\"showintro\\\":\\\"0\\\",\\\"intro_chars\\\":\\\"100\\\",\\\"intro_endchar\\\":\\\"\\\",\\\"showreadmore\\\":\\\"0\\\",\\\"readmore_text\\\":\\\"Read More \\u203a\\\"}}\",\"copyRightText\":\"0\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(89,57,'Search','','',1,'top1',0,'0000-00-00 00:00:00','2019-02-20 13:57:54','0000-00-00 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00:00:00',0,'mod_outsmartitowl',1,1,'{\"image1\":\"images\\/reg.png\",\"title1\":\"12345\",\"caption1\":\"\",\"link1\":\"\",\"image2\":\"images\\/debt.png\",\"title2\":\"\",\"caption2\":\"\",\"link2\":\"\",\"image3\":\"images\\/investigation.png\",\"title3\":\"\",\"caption3\":\"\",\"link3\":\"\",\"image4\":\"images\\/com.png\",\"title4\":\"\",\"caption4\":\"\",\"link4\":\"\",\"image5\":\"images\\/education.png\",\"title5\":\"\",\"caption5\":\"\",\"link5\":\"\",\"image6\":\"\",\"title6\":\"\",\"caption6\":\"\",\"link6\":\"\",\"image7\":\"\",\"title7\":\"\",\"caption7\":\"\",\"link7\":\"\",\"image8\":\"\",\"title8\":\"\",\"caption8\":\"\",\"link8\":\"\",\"image9\":\"\",\"title9\":\"\",\"caption9\":\"\",\"link9\":\"\",\"image10\":\"\",\"title10\":\"\",\"caption10\":\"\",\"link10\":\"\",\"carousel_type\":\"I\",\"nrOfItems\":\"3\",\"autoplay\":\"1\",\"loop\":\"1\",\"CarSpeed\":\"1000\",\"pagination\":\"1\",\"navigation\":\"0\",\"mycaption\":\"1\",\"bigcaption\":\"1\",\"add_jquery\":\"1\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"0\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(91,60,'Welcome','','<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.</p>\r\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.</p>\r\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act</p>',1,'user4',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(92,61,'Career','','<div style=\"width: 360px; background-color: #f7921e; text-align: center; color: #fff; font-size: 18px; padding-bottom: 18px; font-weight: bold;\">\r\n<p><img src=\"../ncr/images/careers1.png\" alt=\"stationary\" width=\"360\" height=\"197\" /></p>\r\n<p>Career</p>\r\n</div>',1,'user1',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(93,62,'Procument','','<div style=\"width: 360px; background-color: #f7921e; text-align: center; color: #fff; font-size: 18px; padding-bottom: 18px; font-weight: bold;\">\r\n<p><img src=\"../ncr/images/tender.png\" alt=\"stationary\" width=\"360\" height=\"197\" /></p>\r\n<p>Procument</p>\r\n</div>',1,'user2',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(94,63,'Media','','<div style=\"width: 360px; background-color: #f7921e; text-align: center; color: #fff; font-size: 18px; padding-bottom: 18px; font-weight: bold;\">\r\n<p><img src=\"../ncr/images/media.png\" alt=\"stationary\" width=\"360\" height=\"197\" /></p>\r\n<p>Media</p>\r\n</div>',1,'user3',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(95,64,'Latest News','','',1,'position6',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_bt_contentslider',1,1,'{\"moduleclass_sfx\":\"\",\"layout\":\"_:default\",\"content_title\":\"\",\"content_link\":\"\",\"butlet\":\"1\",\"navigation_top\":\"30\",\"navigation_right\":\"0\",\"next_back\":\"0\",\"module_width\":\"auto\",\"module_height\":\"auto\",\"auto_height\":\"1\",\"items_per_cols\":\"1\",\"items_per_rows\":\"4\",\"source\":\"category\",\"article_ids\":\"\",\"k2_article_ids\":\"\",\"btportfolio_article_ids\":\"\",\"category\":[\"8\"],\"easyblog_article_ids\":\"\",\"auto_category\":\"0\",\"sub_categories\":\"0\",\"exclude_categories\":\"\",\"limit_items\":\"12\",\"limit_items_for_each\":\"0\",\"user_id\":\"0\",\"show_featured\":\"2\",\"ordering\":\"created-asc\",\"content_plugin\":\"0\",\"use_introimg\":\"1\",\"use_caption\":\"0\",\"use_linka\":\"0\",\"show_title\":\"1\",\"limit_title_by\":\"word\",\"title_max_chars\":\"8\",\"show_intro\":\"1\",\"limit_description_by\":\"char\",\"description_max_chars\":\"180\",\"show_category_name\":\"0\",\"show_category_name_as_link\":\"0\",\"show_readmore\":\"0\",\"show_date\":\"0\",\"show_author\":\"0\",\"show_image\":\"1\",\"checkimg_fulltext\":\"0\",\"check_image_exist\":\"0\",\"image_align\":\"center\",\"equalHeight\":\"1\",\"image_thumb\":\"1\",\"thumbnail_width\":\"250\",\"thumbnail_height\":\"140\",\"image_quality\":\"80\",\"default_thumb\":\"1\",\"touch_screen\":\"0\",\"hovereffect\":\"1\",\"modalbox\":\"0\",\"next_back_effect\":\"slide\",\"bullet_effect\":\"slide\",\"pause_hover\":\"1\",\"interval\":\"5000\",\"duration\":\"500\",\"effect\":\"easeInQuad\",\"auto_start\":\"0\",\"auto_strip_tags\":\"1\",\"open_target\":\"_parent\",\"loadJquery\":\"auto\",\"cache\":\"1\",\"cache_time\":\"900\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(96,69,'Contact details','','<p style=\"color: #fff;\"><strong>Physical Address </strong><br /> 127 - 15th Road<br /> Randjespark<br /> Midrand<br /> 1683</p>\r\n<p style=\"color: #fff;\"><strong>Call Centre</strong><br /> 0860 627 62</p>\r\n<p style=\"color: #fff;\"><strong>Telephone</strong><br /> 011 554 2600</p>',1,'bottom1',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(97,70,'NCR Publications','','<p style=\"color: #fff;\">Annual Reports<br /> Credit Bureau Monitor (CBM)<br /> Consumer Credit Market Report (CCMR)<br /> Circulars<br /> Public Notices<br />Educational Information And Brochures <br />Newsletter<br />Legislation</p>',1,'bottom2',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(98,71,'Consumer Rights','','<p style=\"color: #fff;\">Get Help<br /> Know your rights<br /> Consumer Tips<br /> Challenge Credit Record</p>\r\n<h3 class=\"sp-module-title\" style=\"color: #fff;\">Operating Hours</h3>\r\n<p style=\"color: #fff;\"><strong>Mon - Thur :</strong> 8AM - 5PM<br /> <strong>Friday : </strong>8AM - 4:30PM</p>',1,'bottom3',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(99,72,'Act','','<p style=\"color: #fff;\">Downlad the Act<br /> National Credit amendment Act<br /> National credit Regulations<br /> Background Documents on the NCA</p>',1,'bottom4',723,'2019-02-07 13:46:36','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(100,73,'Brouchers','','<table border=\"0\" width=\"200px\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/SID_thumb_eng.jpg\" alt=\"\" /></td>\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/the_guide.jpg\" alt=\"\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/pub_04.jpg\" alt=\"\" /></td>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/pub_03.jpg\" alt=\"\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/NCRA.jpg\" alt=\"\" /></td>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/NCRA.jpg\" alt=\"\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>',1,'position4',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',0,'mod_custom',1,0,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(101,74,'Register of Registrants counter','','',1,'position5',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_jm_counter',1,0,'{\"items\":\"[[{\\\"name\\\":\\\"jform[params][subtitle]\\\",\\\"value\\\":\\\"Alternative Dispute 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  `publish_up` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `publish_down` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `description` text COLLATE utf8mb4_unicode_ci NOT NULL,
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  `hits` int(10) unsigned NOT NULL DEFAULT '0',
  `images` text COLLATE utf8mb4_unicode_ci NOT NULL,
  PRIMARY KEY (`id`),
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  KEY `idx_checkout` (`checked_out`),
  KEY `idx_state` (`published`),
  KEY `idx_catid` (`catid`),
  KEY `idx_createdby` (`created_by`),
  KEY `idx_language` (`language`),
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-- Dumping data for table `bak_zbk92_newsfeeds`
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--
-- Table structure for table `bak_zbk92_overrider`
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CREATE TABLE `bak_zbk92_overrider` (
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  `constant` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `string` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `file` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
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) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `bak_zbk92_overrider`
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--
-- Table structure for table `bak_zbk92_postinstall_messages`
--

CREATE TABLE `bak_zbk92_postinstall_messages` (
  `postinstall_message_id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `extension_id` bigint(20) NOT NULL DEFAULT '700' COMMENT 'FK to #__extensions',
  `title_key` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'Lang key for the title',
  `description_key` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'Lang key for description',
  `action_key` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `language_extension` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT 'com_postinstall' COMMENT 'Extension holding lang keys',
  `language_client_id` tinyint(3) NOT NULL DEFAULT '1',
  `type` varchar(10) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT 'link' COMMENT 'Message type - message, link, action',
  `action_file` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT '' COMMENT 'RAD URI to the PHP file containing action method',
  `action` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT '' COMMENT 'Action method name or URL',
  `condition_file` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'RAD URI to file holding display condition method',
  `condition_method` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'Display condition method, must return boolean',
  `version_introduced` varchar(50) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '3.2.0' COMMENT 'Version when this message was introduced',
  `enabled` tinyint(3) NOT NULL DEFAULT '1',
  PRIMARY KEY (`postinstall_message_id`)
) ENGINE=InnoDB AUTO_INCREMENT=8 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `bak_zbk92_postinstall_messages`
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INSERT INTO `bak_zbk92_postinstall_messages` (`postinstall_message_id`, `extension_id`, `title_key`, `description_key`, `action_key`, `language_extension`, `language_client_id`, `type`, `action_file`, `action`, `condition_file`, `condition_method`, `version_introduced`, `enabled`) VALUES (1,700,'PLG_TWOFACTORAUTH_TOTP_POSTINSTALL_TITLE','PLG_TWOFACTORAUTH_TOTP_POSTINSTALL_BODY','PLG_TWOFACTORAUTH_TOTP_POSTINSTALL_ACTION','plg_twofactorauth_totp',1,'action','site://plugins/twofactorauth/totp/postinstall/actions.php','twofactorauth_postinstall_action','site://plugins/twofactorauth/totp/postinstall/actions.php','twofactorauth_postinstall_condition','3.2.0',1),(2,700,'COM_CPANEL_WELCOME_BEGINNERS_TITLE','COM_CPANEL_WELCOME_BEGINNERS_MESSAGE','','com_cpanel',1,'message','','','','','3.2.0',1),(3,700,'COM_CPANEL_MSG_STATS_COLLECTION_TITLE','COM_CPANEL_MSG_STATS_COLLECTION_BODY','','com_cpanel',1,'message','','','admin://components/com_admin/postinstall/statscollection.php','admin_postinstall_statscollection_condition','3.5.0',1),(4,700,'PLG_SYSTEM_UPDATENOTIFICATION_POSTINSTALL_UPDATECACHETIME','PLG_SYSTEM_UPDATENOTIFICATION_POSTINSTALL_UPDATECACHETIME_BODY','PLG_SYSTEM_UPDATENOTIFICATION_POSTINSTALL_UPDATECACHETIME_ACTION','plg_system_updatenotification',1,'action','site://plugins/system/updatenotification/postinstall/updatecachetime.php','updatecachetime_postinstall_action','site://plugins/system/updatenotification/postinstall/updatecachetime.php','updatecachetime_postinstall_condition','3.6.3',1),(5,700,'COM_CPANEL_MSG_JOOMLA40_PRE_CHECKS_TITLE','COM_CPANEL_MSG_JOOMLA40_PRE_CHECKS_BODY','','com_cpanel',1,'message','','','admin://components/com_admin/postinstall/joomla40checks.php','admin_postinstall_joomla40checks_condition','3.7.0',1),(6,700,'TPL_HATHOR_MESSAGE_POSTINSTALL_TITLE','TPL_HATHOR_MESSAGE_POSTINSTALL_BODY','TPL_HATHOR_MESSAGE_POSTINSTALL_ACTION','tpl_hathor',1,'action','admin://templates/hathor/postinstall/hathormessage.php','hathormessage_postinstall_action','admin://templates/hathor/postinstall/hathormessage.php','hathormessage_postinstall_condition','3.7.0',1),(7,700,'PLG_PLG_RECAPTCHA_VERSION_1_POSTINSTALL_TITLE','PLG_PLG_RECAPTCHA_VERSION_1_POSTINSTALL_BODY','PLG_PLG_RECAPTCHA_VERSION_1_POSTINSTALL_ACTION','plg_captcha_recaptcha',1,'action','site://plugins/captcha/recaptcha/postinstall/actions.php','recaptcha_postinstall_action','site://plugins/captcha/recaptcha/postinstall/actions.php','recaptcha_postinstall_condition','3.8.6',1);

--
-- Table structure for table `bak_zbk92_redirect_links`
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CREATE TABLE `bak_zbk92_redirect_links` (
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  `old_url` varchar(2048) COLLATE utf8mb4_unicode_ci NOT NULL,
  `new_url` varchar(2048) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `referer` varchar(2048) COLLATE utf8mb4_unicode_ci NOT NULL,
  `comment` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `hits` int(10) unsigned NOT NULL DEFAULT '0',
  `published` tinyint(4) NOT NULL,
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  `modified_date` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `header` smallint(3) NOT NULL DEFAULT '301',
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  KEY `idx_old_url` (`old_url`(100)),
  KEY `idx_link_modifed` (`modified_date`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `bak_zbk92_redirect_links`
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--
-- Table structure for table `bak_zbk92_schemas`
--

CREATE TABLE `bak_zbk92_schemas` (
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  `version_id` varchar(20) COLLATE utf8mb4_unicode_ci NOT NULL,
  PRIMARY KEY (`extension_id`,`version_id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `bak_zbk92_schemas`
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INSERT INTO `bak_zbk92_schemas` (`extension_id`, `version_id`) VALUES (700,'3.8.8-2018-05-18');

--
-- Table structure for table `bak_zbk92_session`
--

CREATE TABLE `bak_zbk92_session` (
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  `client_id` tinyint(3) unsigned DEFAULT NULL,
  `guest` tinyint(4) unsigned DEFAULT '1',
  `time` varchar(14) COLLATE utf8mb4_unicode_ci DEFAULT '',
  `data` mediumtext COLLATE utf8mb4_unicode_ci,
  `userid` int(11) DEFAULT '0',
  `username` varchar(150) COLLATE utf8mb4_unicode_ci DEFAULT '',
  PRIMARY KEY (`session_id`),
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  KEY `time` (`time`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

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--
-- Table structure for table `bak_zbk92_tags`
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CREATE TABLE `bak_zbk92_tags` (
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  `parent_id` int(10) unsigned NOT NULL DEFAULT '0',
  `lft` int(11) NOT NULL DEFAULT '0',
  `rgt` int(11) NOT NULL DEFAULT '0',
  `level` int(10) unsigned NOT NULL DEFAULT '0',
  `path` varchar(400) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `title` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `alias` varchar(400) CHARACTER SET utf8mb4 COLLATE utf8mb4_bin NOT NULL DEFAULT '',
  `note` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `description` mediumtext COLLATE utf8mb4_unicode_ci NOT NULL,
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `access` int(10) unsigned NOT NULL DEFAULT '0',
  `params` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `metadesc` varchar(1024) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'The meta description for the page.',
  `metakey` varchar(1024) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'The meta keywords for the page.',
  `metadata` varchar(2048) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'JSON encoded metadata properties.',
  `created_user_id` int(10) unsigned NOT NULL DEFAULT '0',
  `created_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `created_by_alias` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `modified_user_id` int(10) unsigned NOT NULL DEFAULT '0',
  `modified_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
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  `urls` text COLLATE utf8mb4_unicode_ci NOT NULL,
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  `language` char(7) COLLATE utf8mb4_unicode_ci NOT NULL,
  `version` int(10) unsigned NOT NULL DEFAULT '1',
  `publish_up` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `publish_down` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
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  KEY `idx_path` (`path`(100)),
  KEY `idx_left_right` (`lft`,`rgt`),
  KEY `idx_alias` (`alias`(100)),
  KEY `idx_language` (`language`)
) ENGINE=InnoDB AUTO_INCREMENT=2 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `bak_zbk92_tags`
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--
-- Table structure for table `bak_zbk92_template_styles`
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--
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--
-- Table structure for table `bak_zbk92_ucm_base`
--

CREATE TABLE `bak_zbk92_ucm_base` (
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  `ucm_item_id` int(10) NOT NULL,
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  `ucm_language_id` int(11) NOT NULL,
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  KEY `idx_ucm_item_id` (`ucm_item_id`),
  KEY `idx_ucm_type_id` (`ucm_type_id`),
  KEY `idx_ucm_language_id` (`ucm_language_id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `bak_zbk92_ucm_base`
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--
-- Table structure for table `bak_zbk92_ucm_content`
--

CREATE TABLE `bak_zbk92_ucm_content` (
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  `core_type_alias` varchar(400) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'FK to the content types table',
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  `core_alias` varchar(400) CHARACTER SET utf8mb4 COLLATE utf8mb4_bin NOT NULL DEFAULT '',
  `core_body` mediumtext COLLATE utf8mb4_unicode_ci NOT NULL,
  `core_state` tinyint(1) NOT NULL DEFAULT '0',
  `core_checked_out_time` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '0000-00-00 00:00:00',
  `core_checked_out_user_id` int(10) unsigned NOT NULL DEFAULT '0',
  `core_access` int(10) unsigned NOT NULL DEFAULT '0',
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  `core_featured` tinyint(4) unsigned NOT NULL DEFAULT '0',
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  `core_created_by_alias` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `core_created_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `core_modified_user_id` int(10) unsigned NOT NULL DEFAULT '0' COMMENT 'Most recent user that modified',
  `core_modified_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `core_language` char(7) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `core_publish_up` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `core_publish_down` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `core_content_item_id` int(10) unsigned NOT NULL DEFAULT '0' COMMENT 'ID from the individual type table',
  `asset_id` int(10) unsigned NOT NULL DEFAULT '0' COMMENT 'FK to the #__assets table.',
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  `core_urls` text COLLATE utf8mb4_unicode_ci NOT NULL,
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  `core_version` int(10) unsigned NOT NULL DEFAULT '1',
  `core_ordering` int(11) NOT NULL DEFAULT '0',
  `core_metakey` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `core_metadesc` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `core_catid` int(10) unsigned NOT NULL DEFAULT '0',
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  KEY `idx_title` (`core_title`(100)),
  KEY `idx_modified_time` (`core_modified_time`),
  KEY `idx_created_time` (`core_created_time`),
  KEY `idx_content_type` (`core_type_alias`(100)),
  KEY `idx_core_modified_user_id` (`core_modified_user_id`),
  KEY `idx_core_checked_out_user_id` (`core_checked_out_user_id`),
  KEY `idx_core_created_user_id` (`core_created_user_id`),
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) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='Contains core content data in name spaced fields';

--
-- Dumping data for table `bak_zbk92_ucm_content`
--


--
-- Table structure for table `bak_zbk92_ucm_history`
--

CREATE TABLE `bak_zbk92_ucm_history` (
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  `ucm_item_id` int(10) unsigned NOT NULL,
  `ucm_type_id` int(10) unsigned NOT NULL,
  `version_note` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'Optional version name',
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  KEY `idx_ucm_item_id` (`ucm_type_id`,`ucm_item_id`),
  KEY `idx_save_date` (`save_date`)
) ENGINE=InnoDB AUTO_INCREMENT=25 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `bak_zbk92_ucm_history`
--

INSERT INTO `bak_zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1,1,1,'','2019-01-23 15:16:33',723,2739,'bb7c24cae8e5f90c5f3752f628e04eecf0ca1ef2','{\"id\":1,\"asset_id\":59,\"title\":\"Welcomet to NCR\",\"alias\":\"welcomet-to-ncr\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-23 15:16:33\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-23 15:16:33\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-23 15:16:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(2,1,1,'','2019-01-23 15:23:50',723,2758,'324bf74550c53206a1d3b306ca8a8d2f86b6928d','{\"id\":1,\"asset_id\":\"59\",\"title\":\"Welcomet to NCR\",\"alias\":\"welcomet-to-ncr\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-23 15:16:33\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-23 15:23:50\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-23 15:23:41\",\"publish_up\":\"2019-01-23 15:16:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(3,8,5,'','2019-01-23 16:00:07',723,559,'c677555c06e076a9c03deb524280dee90b127cf8','{\"id\":8,\"asset_id\":65,\"parent_id\":\"1\",\"lft\":\"11\",\"rgt\":12,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Latest news\",\"alias\":\"latest-news\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"723\",\"created_time\":\"2019-01-23 16:00:07\",\"modified_user_id\":null,\"modified_time\":\"2019-01-23 16:00:07\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(4,2,1,'','2019-01-23 16:01:30',723,6429,'1b6959b8db56d84b8309a1e21c9bc71d4ee7bbdf','{\"id\":2,\"asset_id\":66,\"title\":\"Credit extension slows down\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to March 2018.<\\/p>\\r\\n<p>The Chief Executive Officer (CEO) of the NCR Ms Nomsa Motshegare, announced that the latest statistics for the quarter ended March 2018 indicate that new credit granted to consumers decreased by 10.38%. The total value of new credit granted decreased quarter-on-quarter from R135.71 billion to R121.62 billion. The number of applications for credit increased by 0.04% quarter-on-quarter from 10.48 million in December 2017 to 10.49 million in March 2018.\\u00a0<br \\/>The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R5.94 billion (14.36%) quarter-on-quarter, but increased by R1.13 billion (3.29%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R4.89 billion (10.54%) quarter-on-quarter, but increased by R2.66 billion (6.86%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R788.09 million (4.50%) quarter-on-quarter, but increased by R1.40 billion (9.11%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R1.84 billion (7.34%) quarter-on-quarter, but increased by R3.16 billion (15.75%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2018 was R1.78 trillion, representing an increase of 1.26% quarter-on-quarter and 4.04% year-on-year. The trends for outstanding balances for the quarter ended March 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R9.67 billion (1.07%) quarter on quarter and by R29.72 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R6.04 billion (1.48%) quarter on quarter and by R23.17 billion (5.95%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R2.59 billion (1.14%) quarter on quarter and by R6.16 billion (2.75%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R2.77 billion (1.63%) quarter on quarter and by R6.82 billion (4.11%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 25.46 million credit-active consumers, which showed an increase of 0.59% when compared to the 25.31 million in the previous quarter. Consumers classified in good standing increased by 152,320 to 15.77 million consumers. This amounts to 61.93% of the total number of credit-active consumers, an increase of 0.24% quarter-on-quarter and 1.19% year-on-year. The number of credit active accounts decreased from 79.49 million to 79.08 million in the quarter ended March 2018. The number of impaired accounts has decreased from 19.84 million (24.96%) to 19.42 million (24.55%) when compared to December 2017, a decrease of 426,000 quarter-on-quarter and 286,000 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 439.69 million, this was an decrease of 17.06% quarter-on-quarter but an increase of 0.74% year-on-year. Consumer initiated enquiries accounted for 24.29 million of all enquiries, an increase of 1.28% quarter-on-quarter and 31.40% year-on-year. The number of credit reports issued to consumers increased from 152,690 in the previous quarter to 196,920. A total 117,272 (59.55%) credit reports were issued without charge, and the remaining 79,648 (40.45%) were issued with charge. There were 30,853 disputes lodged on information held on consumer credit records for the quarter ended March 2018, a decrease of 5.09% quarter-on-quarter and 20.65% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, CEO at the NCR encourages consumers to get a copy of their credit reports and take control of their credit profiles and finances. Consumers must take note that they are entitled to one free credit report from all registered credit bureaus once a year. She advises consumers to lodge complaints with relevant credit bureaus, should there be erroneous information on their credit reports. Inaccurate consumer credit profiles may lead to the decline of consumers\\u2019 application for credit when it should rightfully be approved, concludes Motshegare.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-23 16:01:30\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-23 16:01:30\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-23 16:01:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(5,3,1,'','2019-01-24 08:39:19',723,5621,'d920206ea709e99c699e709cbee14b14c196db65','{\"id\":3,\"asset_id\":67,\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:39:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(6,4,1,'','2019-01-24 08:40:08',723,3028,'d8c909b981101f3868a341c3b1e7f54e41c9734a','{\"id\":4,\"asset_id\":68,\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:40:08\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:40:08\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 08:40:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(7,3,1,'','2019-01-24 08:44:25',723,5684,'963832aa097d08403cb18d41ade1b3fe87826519','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><img src=\\\"images\\/buyers.jpg\\\" alt=\\\"\\\" \\/>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:44:25\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:43:21\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(8,3,1,'','2019-01-24 08:44:56',723,5691,'4d425072b7c8a6bd4ca240ba4da39d5e8110ef69','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><!--<img src=\\\"images\\/buyers.jpg\\\" alt=\\\"\\\" \\/>-->The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:44:56\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:44:25\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(9,2,1,'','2019-01-24 08:49:33',723,6502,'78a208e34570c036b7be9e5d91d76ca2d7e76f0b','{\"id\":2,\"asset_id\":\"66\",\"title\":\"Credit extension slows down\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p><!--<img src=\\\"images\\/bad-debt.jpg\\\" alt=\\\"\\\" \\/> -->The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to March 2018.<\\/p>\\r\\n<p>The Chief Executive Officer (CEO) of the NCR Ms Nomsa Motshegare, announced that the latest statistics for the quarter ended March 2018 indicate that new credit granted to consumers decreased by 10.38%. The total value of new credit granted decreased quarter-on-quarter from R135.71 billion to R121.62 billion. The number of applications for credit increased by 0.04% quarter-on-quarter from 10.48 million in December 2017 to 10.49 million in March 2018.\\u00a0<br \\/>The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R5.94 billion (14.36%) quarter-on-quarter, but increased by R1.13 billion (3.29%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R4.89 billion (10.54%) quarter-on-quarter, but increased by R2.66 billion (6.86%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R788.09 million (4.50%) quarter-on-quarter, but increased by R1.40 billion (9.11%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R1.84 billion (7.34%) quarter-on-quarter, but increased by R3.16 billion (15.75%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2018 was R1.78 trillion, representing an increase of 1.26% quarter-on-quarter and 4.04% year-on-year. The trends for outstanding balances for the quarter ended March 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R9.67 billion (1.07%) quarter on quarter and by R29.72 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R6.04 billion (1.48%) quarter on quarter and by R23.17 billion (5.95%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R2.59 billion (1.14%) quarter on quarter and by R6.16 billion (2.75%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R2.77 billion (1.63%) quarter on quarter and by R6.82 billion (4.11%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 25.46 million credit-active consumers, which showed an increase of 0.59% when compared to the 25.31 million in the previous quarter. Consumers classified in good standing increased by 152,320 to 15.77 million consumers. This amounts to 61.93% of the total number of credit-active consumers, an increase of 0.24% quarter-on-quarter and 1.19% year-on-year. The number of credit active accounts decreased from 79.49 million to 79.08 million in the quarter ended March 2018. The number of impaired accounts has decreased from 19.84 million (24.96%) to 19.42 million (24.55%) when compared to December 2017, a decrease of 426,000 quarter-on-quarter and 286,000 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 439.69 million, this was an decrease of 17.06% quarter-on-quarter but an increase of 0.74% year-on-year. Consumer initiated enquiries accounted for 24.29 million of all enquiries, an increase of 1.28% quarter-on-quarter and 31.40% year-on-year. The number of credit reports issued to consumers increased from 152,690 in the previous quarter to 196,920. A total 117,272 (59.55%) credit reports were issued without charge, and the remaining 79,648 (40.45%) were issued with charge. There were 30,853 disputes lodged on information held on consumer credit records for the quarter ended March 2018, a decrease of 5.09% quarter-on-quarter and 20.65% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, CEO at the NCR encourages consumers to get a copy of their credit reports and take control of their credit profiles and finances. Consumers must take note that they are entitled to one free credit report from all registered credit bureaus once a year. She advises consumers to lodge complaints with relevant credit bureaus, should there be erroneous information on their credit reports. Inaccurate consumer credit profiles may lead to the decline of consumers\\u2019 application for credit when it should rightfully be approved, concludes Motshegare.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-23 16:01:30\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:49:33\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:48:43\",\"publish_up\":\"2019-01-23 16:01:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(10,4,1,'','2019-01-24 08:51:27',723,3098,'e3b07352baace986b39669dfe8aa7ba3de791203','{\"id\":4,\"asset_id\":\"68\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p><!--<img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>-->[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:40:08\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:51:27\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:50:42\",\"publish_up\":\"2019-01-24 08:40:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(11,5,1,'','2019-01-24 12:18:07',723,2297,'83226974563909b8731a466758829f48397b61b9','{\"id\":5,\"asset_id\":75,\"title\":\"CONSUMER CREDIT HEALTH IMPROVES \",\"alias\":\"consumer-credit-health-improves\",\"introtext\":\"<p>April 2018 Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 12:18:07\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:18:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 12:18:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(12,2,1,'','2019-01-24 12:20:02',723,6524,'e61076d68e36f1515ea3f6bd22364f8ed407ac03','{\"id\":2,\"asset_id\":\"66\",\"title\":\"KNOW YOUR RIGHTS - DO NOT TO PAY ANY UPFRONT FEES\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p><!--<img src=\\\"images\\/bad-debt.jpg\\\" alt=\\\"\\\" \\/> -->The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to March 2018.<\\/p>\\r\\n<p>The Chief Executive Officer (CEO) of the NCR Ms Nomsa Motshegare, announced that the latest statistics for the quarter ended March 2018 indicate that new credit granted to consumers decreased by 10.38%. The total value of new credit granted decreased quarter-on-quarter from R135.71 billion to R121.62 billion. The number of applications for credit increased by 0.04% quarter-on-quarter from 10.48 million in December 2017 to 10.49 million in March 2018.\\u00a0<br \\/>The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R5.94 billion (14.36%) quarter-on-quarter, but increased by R1.13 billion (3.29%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R4.89 billion (10.54%) quarter-on-quarter, but increased by R2.66 billion (6.86%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R788.09 million (4.50%) quarter-on-quarter, but increased by R1.40 billion (9.11%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R1.84 billion (7.34%) quarter-on-quarter, but increased by R3.16 billion (15.75%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2018 was R1.78 trillion, representing an increase of 1.26% quarter-on-quarter and 4.04% year-on-year. The trends for outstanding balances for the quarter ended March 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R9.67 billion (1.07%) quarter on quarter and by R29.72 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R6.04 billion (1.48%) quarter on quarter and by R23.17 billion (5.95%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R2.59 billion (1.14%) quarter on quarter and by R6.16 billion (2.75%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R2.77 billion (1.63%) quarter on quarter and by R6.82 billion (4.11%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 25.46 million credit-active consumers, which showed an increase of 0.59% when compared to the 25.31 million in the previous quarter. Consumers classified in good standing increased by 152,320 to 15.77 million consumers. This amounts to 61.93% of the total number of credit-active consumers, an increase of 0.24% quarter-on-quarter and 1.19% year-on-year. The number of credit active accounts decreased from 79.49 million to 79.08 million in the quarter ended March 2018. The number of impaired accounts has decreased from 19.84 million (24.96%) to 19.42 million (24.55%) when compared to December 2017, a decrease of 426,000 quarter-on-quarter and 286,000 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 439.69 million, this was an decrease of 17.06% quarter-on-quarter but an increase of 0.74% year-on-year. Consumer initiated enquiries accounted for 24.29 million of all enquiries, an increase of 1.28% quarter-on-quarter and 31.40% year-on-year. The number of credit reports issued to consumers increased from 152,690 in the previous quarter to 196,920. A total 117,272 (59.55%) credit reports were issued without charge, and the remaining 79,648 (40.45%) were issued with charge. There were 30,853 disputes lodged on information held on consumer credit records for the quarter ended March 2018, a decrease of 5.09% quarter-on-quarter and 20.65% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, CEO at the NCR encourages consumers to get a copy of their credit reports and take control of their credit profiles and finances. Consumers must take note that they are entitled to one free credit report from all registered credit bureaus once a year. She advises consumers to lodge complaints with relevant credit bureaus, should there be erroneous information on their credit reports. Inaccurate consumer credit profiles may lead to the decline of consumers\\u2019 application for credit when it should rightfully be approved, concludes Motshegare.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-23 16:01:30\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:20:02\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 12:19:55\",\"publish_up\":\"2019-01-23 16:01:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(13,6,1,'','2019-01-24 12:26:54',723,2959,'524413bd7e5934e8a15e06333f1afbb818e9684c','{\"id\":6,\"asset_id\":76,\"title\":\"Lobortis metus mauris at nibh\",\"alias\":\"lobortis-metus-mauris-at-nibh\",\"introtext\":\"<p class=\\\"sp-dropcap\\\">lacinia; sapien in volutpat mattis, eros arcu rhoncus erat.<\\/p>\\r\\n<p>Iaculis sodales ante massa lobortis arcu. Etiam ullamcorper, libero sed rhoncus adipiscing, ante arcu dignissim urna, quis iaculis quam sapien eu velit. Praesent ut pulvinar lectus. Donec enim enim, venenatis nec posuere in; dictum id lacus. Quisque vestibulum luctus tortor at vulputate. Maecenas mi augue, vehicula et consectetur ac, vulputate a risus. Pellentesque in feugiat elit. Curabitur sed diam enim. Sed varius faucibus lectus, a scelerisque massa posuere ac. Quisque dapibus, est ac rhoncus tempus, nisl purus posuere urna, accumsan lobortis metus mauris at nibh. Duis ullamcorper adipiscing quam in dapibus. Nulla facilisi. Praesent sagittis commodo lorem, vitae euismod justo venenatis at. Suspendisse et ante dui. Etiam id enim at sem rhoncus sodales commodo et nulla. Donec sed erat dolor, vitae auctor mauris. Suspendisse feugiat mollis ante vitae blandit.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-24 12:26:54\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:26:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 12:26:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(14,6,1,'','2019-01-24 12:27:06',723,2978,'bd38be5f5fc295e6a5f8ffda3a813f673b289dc3','{\"id\":6,\"asset_id\":\"76\",\"title\":\"Lobortis metus mauris at nibh\",\"alias\":\"lobortis-metus-mauris-at-nibh\",\"introtext\":\"<p class=\\\"sp-dropcap\\\">lacinia; sapien in volutpat mattis, eros arcu rhoncus erat.<\\/p>\\r\\n<p>Iaculis sodales ante massa lobortis arcu. Etiam ullamcorper, libero sed rhoncus adipiscing, ante arcu dignissim urna, quis iaculis quam sapien eu velit. Praesent ut pulvinar lectus. Donec enim enim, venenatis nec posuere in; dictum id lacus. Quisque vestibulum luctus tortor at vulputate. Maecenas mi augue, vehicula et consectetur ac, vulputate a risus. Pellentesque in feugiat elit. Curabitur sed diam enim. Sed varius faucibus lectus, a scelerisque massa posuere ac. Quisque dapibus, est ac rhoncus tempus, nisl purus posuere urna, accumsan lobortis metus mauris at nibh. Duis ullamcorper adipiscing quam in dapibus. Nulla facilisi. Praesent sagittis commodo lorem, vitae euismod justo venenatis at. Suspendisse et ante dui. Etiam id enim at sem rhoncus sodales commodo et nulla. Donec sed erat dolor, vitae auctor mauris. Suspendisse feugiat mollis ante vitae blandit.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 12:26:54\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:27:06\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 12:26:54\",\"publish_up\":\"2019-01-24 12:26:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(15,5,1,'','2019-01-24 12:34:21',723,2401,'741fc2810063d0dc0c2e29963809ddb509acf6a0','{\"id\":5,\"asset_id\":\"75\",\"title\":\"CONSUMER CREDIT HEALTH IMPROVES \",\"alias\":\"consumer-credit-health-improves\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit rep.jpg\\\" alt=\\\"\\\" width=\\\"443\\\" height=\\\"295\\\" \\/> -->April 2018 Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 12:18:07\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:34:21\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 12:33:54\",\"publish_up\":\"2019-01-24 12:18:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(16,1,1,'','2019-01-29 12:07:33',723,2783,'4fb1a2bacc11e14a6fceda85e03238bae861d7be','{\"id\":1,\"asset_id\":\"59\",\"title\":\"Welcome to the National credit Regulator\",\"alias\":\"welcomet-to-ncr\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-23 15:16:33\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-29 12:07:33\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-29 12:07:05\",\"publish_up\":\"2019-01-23 15:16:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(17,3,1,'','2019-01-29 12:53:49',723,5702,'71264d5c8f990e8f6312686cdd2213e72f7ec994','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>-->The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-29 12:53:49\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-29 12:53:30\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"59\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(18,3,1,'','2019-01-29 12:54:26',723,5695,'9b2ecc3bbd327c3283c5ddbb39c8dd4f41736f36','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-29 12:54:26\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-29 12:53:49\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 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--
-- Table structure for table `bak_zbk92_update_sites`
--

CREATE TABLE `bak_zbk92_update_sites` (
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  `name` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT '',
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  `location` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `enabled` int(11) DEFAULT '0',
  `last_check_timestamp` bigint(20) DEFAULT '0',
  `extra_query` varchar(1000) COLLATE utf8mb4_unicode_ci DEFAULT '',
  PRIMARY KEY (`update_site_id`)
) ENGINE=InnoDB AUTO_INCREMENT=14 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='Update Sites';

--
-- Dumping data for table `bak_zbk92_update_sites`
--

INSERT INTO `bak_zbk92_update_sites` (`update_site_id`, `name`, `type`, `location`, `enabled`, `last_check_timestamp`, `extra_query`) VALUES (1,'Joomla! Core','collection','https://update.joomla.org/core/list.xml',1,1551866022,''),(2,'Accredited Joomla! Translations','collection','https://update.joomla.org/language/translationlist_3.xml',1,1551866024,''),(3,'Joomla! Update Component Update Site','extension','https://update.joomla.org/core/extensions/com_joomlaupdate.xml',1,1551866025,''),(4,'System - Helix Framework','extension','http://www.joomshaper.com/updates/plg_system_helix.xml',1,1551866028,''),(5,'mod_outsmartitowl','extension','https://www.outsmartit.be/updates/outsmartowl.xml',1,1551866030,''),(6,'Helix3 - Ajax','extension','http://www.joomshaper.com/updates/plg-ajax-helix3.xml',1,1551866032,''),(7,'System - Helix3 Framework','extension','http://www.joomshaper.com/updates/plg-system-helix3.xml',1,1551866034,''),(8,'WebInstaller Update Site','extension','https://appscdn.joomla.org/webapps/jedapps/webinstaller.xml',1,1551866035,''),(9,'MOD_JM_COUNTER','extension','https://joomla-monster.com/updates/mod_jm_counter.xml',1,1551866039,''),(10,'BM Cool Menu Update Site','extension','http://brainymore.com/update_modules/free/others/bm_cool_menu_update.xml',1,1551866041,''),(11,'Convert Forms','extension','https://static.tassos.gr/update/convertformsfree?type=.xml',1,1551866041,''),(12,'System - Novarain Installer','extension','https://static.tassos.gr/update?type=.xml',1,1551866042,''),(13,'Regular Labs - Articles Anywhere','extension','https://download.regularlabs.com/updates.xml?e=articlesanywhere&type=.xml',1,0,'');

--
-- Table structure for table `bak_zbk92_update_sites_extensions`
--

CREATE TABLE `bak_zbk92_update_sites_extensions` (
  `update_site_id` int(11) NOT NULL DEFAULT '0',
  `extension_id` int(11) NOT NULL DEFAULT '0',
  PRIMARY KEY (`update_site_id`,`extension_id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='Links extensions to update sites';

--
-- Dumping data for table `bak_zbk92_update_sites_extensions`
--

INSERT INTO `bak_zbk92_update_sites_extensions` (`update_site_id`, `extension_id`) VALUES (1,700),(2,802),(3,28),(4,10001),(5,10003),(6,10005),(7,10006),(8,10007),(9,10013),(10,10018),(11,10021),(12,10019),(13,10031);

--
-- Table structure for table `bak_zbk92_updates`
--

CREATE TABLE `bak_zbk92_updates` (
  `update_id` int(11) NOT NULL AUTO_INCREMENT,
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  `extension_id` int(11) DEFAULT '0',
  `name` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT '',
  `description` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `element` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT '',
  `type` varchar(20) COLLATE utf8mb4_unicode_ci DEFAULT '',
  `folder` varchar(20) COLLATE utf8mb4_unicode_ci DEFAULT '',
  `client_id` tinyint(3) DEFAULT '0',
  `version` varchar(32) COLLATE utf8mb4_unicode_ci DEFAULT '',
  `data` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `detailsurl` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `infourl` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `extra_query` varchar(1000) COLLATE utf8mb4_unicode_ci DEFAULT '',
  PRIMARY KEY (`update_id`)
) ENGINE=InnoDB AUTO_INCREMENT=80 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='Available Updates';

--
-- Dumping data for table `bak_zbk92_updates`
--

INSERT INTO `bak_zbk92_updates` (`update_id`, `update_site_id`, `extension_id`, `name`, `description`, `element`, `type`, `folder`, `client_id`, `version`, `data`, `detailsurl`, `infourl`, `extra_query`) VALUES (1,1,700,'Joomla','','joomla','file','',0,'3.9.3','','https://update.joomla.org/core/sts/extension_sts.xml','',''),(2,2,0,'Armenian','','pkg_hy-AM','package','',0,'3.4.4.1','','https://update.joomla.org/language/details3/hy-AM_details.xml','',''),(3,2,0,'Malay','','pkg_ms-MY','package','',0,'3.4.1.2','','https://update.joomla.org/language/details3/ms-MY_details.xml','',''),(4,2,0,'Romanian','','pkg_ro-RO','package','',0,'3.7.3.1','','https://update.joomla.org/language/details3/ro-RO_details.xml','',''),(5,2,0,'Flemish','','pkg_nl-BE','package','',0,'3.9.3.1','','https://update.joomla.org/language/details3/nl-BE_details.xml','',''),(6,2,0,'Chinese 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--
-- Table structure for table `bak_zbk92_user_keys`
--

CREATE TABLE `bak_zbk92_user_keys` (
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-- Dumping data for table `bak_zbk92_user_keys`
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--
-- Table structure for table `bak_zbk92_user_notes`
--

CREATE TABLE `bak_zbk92_user_notes` (
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--
-- Dumping data for table `bak_zbk92_user_notes`
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--
-- Table structure for table `bak_zbk92_user_profiles`
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CREATE TABLE `bak_zbk92_user_profiles` (
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--
-- Dumping data for table `bak_zbk92_user_profiles`
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--
-- Table structure for table `bak_zbk92_user_usergroup_map`
--

CREATE TABLE `bak_zbk92_user_usergroup_map` (
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--
-- Dumping data for table `bak_zbk92_user_usergroup_map`
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INSERT INTO `bak_zbk92_user_usergroup_map` (`user_id`, `group_id`) VALUES (723,8);

--
-- Table structure for table `bak_zbk92_usergroups`
--

CREATE TABLE `bak_zbk92_usergroups` (
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  KEY `idx_usergroup_nested_set_lookup` (`lft`,`rgt`) USING BTREE
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--
-- Dumping data for table `bak_zbk92_usergroups`
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INSERT INTO `bak_zbk92_usergroups` (`id`, `parent_id`, `lft`, `rgt`, `title`) VALUES (1,0,1,18,'Public'),(2,1,8,15,'Registered'),(3,2,9,14,'Author'),(4,3,10,13,'Editor'),(5,4,11,12,'Publisher'),(6,1,4,7,'Manager'),(7,6,5,6,'Administrator'),(8,1,16,17,'Super Users'),(9,1,2,3,'Guest');

--
-- Table structure for table `bak_zbk92_users`
--

CREATE TABLE `bak_zbk92_users` (
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--
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  `colors_method` varchar(255) NOT NULL DEFAULT '',
  `tags_method` varchar(255) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=2 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_bagallery_galleries`
--

INSERT INTO `zbk92_bagallery_galleries` (`id`, `title`, `published`, `bg_color`, `bg_color_hover`, `border_color`, `border_radius`, `font_color`, `font_color_hover`, `font_weight`, `font_size`, `alignment`, `gallery_layout`, `thumbnail_layout`, `column_number`, `image_width`, `image_spacing`, `pagination_type`, `images_per_page`, `pagination_bg`, `pagination_bg_hover`, `pagination_border`, `pagination_font`, `pagination_font_hover`, `pagination_radius`, `title_color`, `title_weight`, `title_size`, `title_alignment`, `category_color`, `category_weight`, `category_size`, `category_alignment`, `description_color`, `description_weight`, `description_size`, `description_alignment`, `caption_bg`, `caption_opacity`, `pagination_alignment`, `category_list`, `pagination`, `lazy_load`, `image_quality`, `display_title`, `display_categoty`, `lightbox_border`, `lightbox_bg`, `lightbox_bg_transparency`, `display_likes`, `watermark_upload`, `watermark_position`, `watermark_opacity`, `class_suffix`, `lightbox_display_title`, `display_header`, `lightbox_width`, `settings`, `gallery_items`, `header_icons_color`, `nav_button_bg`, `nav_button_icon`, `auto_resize`, `album_mode`, `all_sorting`, `enable_disqus`, `disqus_subdomen`, `sorting_mode`, `random_sorting`, `disable_lightbox`, `disable_caption`, `scale_watermark`, `vk_api_id`, `twitter_share`, `facebook_share`, `google_share`, `pinterest_share`, `linkedin_share`, `vkontakte_share`, `odnoklassniki_share`, `display_download`, `tablet_numb`, `phone_land_numb`, `phone_port_numb`, `display_zoom`, `description_position`, `slide_amimation`, `page_refresh`, `disable_right_clk`, `disable_shortcuts`, `disable_dev_console`, `load_jquery`, `enable_alias`, `display_fullscreen`, `album_layout`, `album_width`, `album_quality`, `album_column_number`, `album_tablet_numb`, `album_phone_land_numb`, `album_phone_port_numb`, `album_image_spacing`, `album_disable_caption`, `album_thumbnail_layout`, `album_caption_bg`, `album_display_title`, `album_display_img_count`, `album_title_color`, `album_title_weight`, `album_title_size`, `album_title_alignment`, `album_img_count_color`, `album_img_count_weight`, `album_img_count_size`, `album_img_count_alignment`, `enable_compression`, `compression_width`, `compression_quality`, `album_enable_lightbox`, `disable_auto_scroll`, `tags_bg_color`, `tags_bg_color_hover`, `tags_border_color`, `tags_border_radius`, `tags_font_color`, `tags_font_color_hover`, `tags_font_weight`, `tags_font_size`, `tags_alignment`, `enable_tags`, `tags_position`, `colors_alignment`, `enable_colors`, `colors_position`, `colors_border_radius`, `max_tags`, `max_colors`, `saved_time`, `colors_method`, `tags_method`) VALUES (1,'ncr-g',1,'#eeeeee','#1da6f4','rgba(0,0,0,0)','2','#1a1a1a','#ffffff','normal','14','left','justified','1','4','600','10','default','16','#eeeeee','#f64231','rgba(0,0,0,0)','#1a1a1a','#ffffff','50','#ffffff','bold','18','left','#ffffff','normal','14','left','#ffffff','normal','12','left','#000000','0.75','center','0','0','0','40','1','1','#ffffff','#000000','0.9','0','','top_left','100','','1',1,'45','12-_-13-_-14-_-15-_-16-_-17-_-18-_-19-_-20-_-21-_-22-_-23-_-24-_-25-_-26-_-27','','#ffffff','rgba(0,0,0,0)','#ffffff',1,0,'','0','','',0,0,0,0,'',0,0,1,0,0,0,0,0,'3','2','1',0,'below','ba-gallery-fade-animation',0,0,0,0,1,1,0,'justified','600','40','4','3','2','1','10',0,'13','rgba(0, 0, 0, 0.75)','1','1','#ffffff','bold','18','left','#ffffff','bold','18','left',0,'1920','80',0,1,'#eeeeee','#1da6f4','rgba(0,0,0,0)','2','#1a1a1a','#ffffff','normal','14','right','0','right','right','0','right','50',10,10,'1669822005','','');

--
-- Table structure for table `zbk92_bagallery_items`
--

CREATE TABLE `zbk92_bagallery_items` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `form_id` int(11) NOT NULL,
  `category` varchar(255) NOT NULL,
  `name` varchar(255) NOT NULL,
  `path` varchar(255) NOT NULL,
  `url` varchar(255) NOT NULL,
  `thumbnail_url` varchar(255) NOT NULL,
  `title` varchar(255) NOT NULL,
  `short` varchar(255) NOT NULL,
  `alt` varchar(255) NOT NULL,
  `description` mediumtext NOT NULL,
  `link` varchar(255) NOT NULL,
  `video` mediumtext NOT NULL,
  `settings` mediumtext NOT NULL,
  `likes` int(11) NOT NULL DEFAULT '0',
  `imageId` varchar(10) NOT NULL,
  `target` varchar(10) NOT NULL,
  `lightboxUrl` varchar(255) NOT NULL,
  `watermark_name` varchar(255) NOT NULL,
  `hideInAll` tinyint(1) NOT NULL DEFAULT '0',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=28 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_bagallery_items`
--

INSERT INTO `zbk92_bagallery_items` (`id`, `form_id`, `category`, `name`, `path`, `url`, `thumbnail_url`, `title`, `short`, `alt`, `description`, `link`, `video`, `settings`, `likes`, `imageId`, `target`, `lightboxUrl`, `watermark_name`, `hideInAll`) VALUES 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--
