Social Grants: Challenging Reckless lending in South Africa

South Africa has a large social grant system meant to provide assistance to vulnerable individuals including the elderly, disabled and children. These grants have however become the object of, or collateral for, debt. Grant recipients often need extra money for emergencies and unexpected expenses, but credit options available to them entail exploitative products or practices. 

This research report, written by the Black Sash in conjunction with the London School of Economics and Political Science, highlights the terrible exploitation of grant recipients by unscrupulous lenders.

This research report uses case studies to explore the ways in which grant recipients access credit in both formal and informal sectors with a series of recommendations. 

Click on the InDesign Publish Online screen below to view fullscreen, or to download PDF.

About the Black Sash Trust

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The Black Sash Trust is a 65-year-old human rights organisation, advocating for social justice in South Africa.

The Black Sash works towards the realisation of socio-economic rights, as outlined in the SA Constitution 1996, with the emphasises on social security and social protection for the most vulnerable, particularly women and children.

Visit the Black Sash Trust’s website.

Publications produced for Black Sash

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Elsabe is the Creative director: Graphic Design at Farm Design. The company is located on the slopes of Table Mountain in the beautiful Cape Town. After years of experience in the design and advertising of fast-moving consumer goods, Elsabe wanted to do “design that makes a difference”. She therefor concentrates on academic and advocacy work for issues that she considers as important. These include climate change, human rights and law. Her particular skill is in making content easy to understand, interesting to engage with, and accessible. Elsabe loves technology and code. She started learning HTML in the mid eighties and has been on the learning treadmill ever since. She is able to do both the front end design and the back-end installation of websites. She believes that a good job is always a collaborative undertaking – a good brief with a clear target market, quality research and writing polished with detailed editing, uncluttered design with a purpose, and meticulous proofing. Farm Design’s clients and collaborators are situated from Cape Town to the UK, Canada, US, and various countries across Africa. Elsabe holds a BA degree in Graphic Design from Stellenbosch University, with majors in Design and Photography. In the creative industry you are often asked about awards won. Though she has received a Loerie Award for design, from the USA the Clio Gold Award and the Communications Arts Annual Award of Excellence, she considers her best award to be the clients she has worked with for decades.