n Law, Democracy & Development - The National Credit Act : will it increase access to credit for small and micro enterprises?

Volume 11, Issue 1
  • ISSN : 1028-1053
  • E-ISSN: 2077-4907



South Africa faces a number of critical challenges, most notably poverty, unemployment and income inequality. The concept of the country having two economies - the first being 'an advanced, sophisticated economy, based on skilled labour, which is becoming more globally competitive' and the second being 'a mainly informal, marginalised and unskilled economy, populated by the unemployed and those unemployable in the formal sector' - nicely captures the structural consequences of these problems. Certainly, this deep division is a long way from government's vision of a 'prosperous, equitable, stable and democratic society [and]...of decent work and living standards for all'.

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