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<p align="center"><strong>June 2021</strong><br /><br /> <img src="images/Alternative-Data-Landscape.jpg" width="60" /></p>
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<li><a href="documents/Alternative Data Landscape in South Africa 24.6.21.pdf" target="_blank" rel="noopener noreferrer">Alternative Data Landscape in South Africa </a></li>
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<p align="center"><strong>May 2021</strong><br /><br /> <img src="images/NCR-Unsecured-Credit-Study.jpg" width="60" /></p>
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<li><a href="documents/NCR Unsecured Credit Study - Final Report (Abridged).pdf" target="_blank" rel="noopener noreferrer">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal</a></li>
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<p align="center"><strong>2013</strong><br /><br /> <img src="images/NCR-Credit-and-Borrowing-in-South-Africa.jpg" width="60" /></p>
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<li><a href="documents/pages/research-reports/july13/NCR Outcomes evaluation of educational workshops.pdf" target="_blank" rel="noopener noreferrer">Outcomes evaluation of educational workshops</a></li>
<li><a href="documents/pages/research-reports/jun13/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf" target="_blank" rel="noopener noreferrer">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA’S CREDIT MARKET</a></li>
<li><a href="documents/pages/research-reports/jun13/NCR_14.03.2013.pdf" target="_blank" rel="noopener noreferrer">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012</a></li>
<li><a href="documents/pages/research-reports/jun13/Investigation on the effectiveness of the alternate dispute.pdf" target="_blank" rel="noopener noreferrer">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa</a></li>
<li><a href="documents/pages/research-reports/jun13/ADR Summary.pdf" target="_blank" rel="noopener noreferrer">Alternative Dispute Resolution (ADR) summary</a></li>
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<p align="center"><strong>2012</strong><br /><br /> <img src="images/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg" width="60" /></p>
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<li><a href="documents/pages/research-reports/aug12/UPL Report 47 Exec Sum.pdf" target="_blank" rel="noopener noreferrer">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary</a></li>
<li><a href="documents/pages/research-reports/aug12/UPL Report 47 Final.pdf" target="_blank" rel="noopener noreferrer">Research on the increase of unsecured loans in South Africa's credit market - Final Report</a></li>
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<td style="width: 82.2857px;"><strong>2011</strong></td>
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<li><a href="documents/pages/research-reports/dec11/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf" target="_blank" rel="noopener noreferrer">Literature Review on SME Access to Credit in South Africa Final Report</a></li>
<li><a href="documents/pages/research-reports/aug11/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf" target="_blank" rel="noopener noreferrer">Cost of and Access to Credit in South Africa</a></li>
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<td style="width: 82.2857px;"><strong>2010</strong></td>
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<li><a href="documents/pages/research-reports/nov10/Introduction-RevNo1.pdf" target="_blank" rel="noopener noreferrer">Credit law review: setting the scene</a></li>
<li><a href="documents/pages/research-reports/nov10/Credit Law Review.pdf" target="_blank" rel="noopener noreferrer">Making Credit Markets Work | A Policy Framework for Consumer Credit</a></li>
<li><a href="documents/pages/research-reports/apr10/Final Update Document.pdf" target="_blank" rel="noopener noreferrer">NCR Task Team on Debt Counselling</a></li>
<li><a href="documents/pages/research-reports/apr10/DC survey analysis-1.pdf" target="_blank" rel="noopener noreferrer">A Survey conducted by AIA on behalf of the National Credit Regulator</a></li>
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<td style="width: 82.2857px;"><strong>2009</strong></td>
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<li><a href="documents/pages/research-reports/apr09/ncr.zip" target="_blank" rel="noopener noreferrer">The debt counselling process - challenges to consumers and the credit industry in general</a></li>
<li><a href="documents/pages/research-reports/may09/Impact_Assesment.pdf" target="_blank" rel="noopener noreferrer">Impact Assessment Report</a></li>
<li><a href="documents/pages/research-reports/jun09/Pricing and Access Summary Cover June 2009.pdf" target="_blank" rel="noopener noreferrer">Pricing of and Access to Consumer Credit</a></li>
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<td style="width: 82.2857px;"><strong>2008</strong></td>
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<li><a href="documents/pages/research-reports/oct08/GARNISHEE-ORDERS-STUDY-REPORT.pdf" target="_blank" rel="noopener noreferrer">The incidence of and the undesirable practices relating to garnishee orders in South Africa</a></li>
<li><a href="documents/pages/research-reports/aug08/South-Africa-compressed-web.pdf" target="_blank" rel="noopener noreferrer">PERC Study Release:</a></li>
<li><a href="documents/pages/research-reports/aug08/South-Africa-compressed-web.pdf" target="_blank" rel="noopener noreferrer">Information Sharing and SMME Financing in South Africa</a></li>
<li><a href="documents/pages/research-reports/apr08/Executive Summary.pdf" target="_blank" rel="noopener noreferrer">Impact Assessment Report</a></li>
<li><a href="documents/pages/research-reports/mar08/Livelihoods study.pdf" target="_blank" rel="noopener noreferrer">Access and Use of credit by poor households in Johannesburg</a></li>
<li><a href="documents/pages/research-reports/march07/Public Report.pdf" target="_blank" rel="noopener noreferrer">Livelihoods study of poor households in Johannesburg</a></li>
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<td style="width: 82.2857px;"><strong>2007</strong></td>
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<li><a href="documents/pages/research-reports/march07/Public Report.pdf" target="_blank" rel="noopener noreferrer">Credit Extension to Households</a></li>
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<td style="width: 82.2857px;"><strong>2003</strong></td>
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<li><a href="documents/pages/research-reports/aug13/Summary of Findings.pdf" target="_blank" rel="noopener noreferrer">Credit Law Review | August 2003</a></li>
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