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Articles by Paul Yon
The micro-loan is replacing the salary increase for many South Africans
Paul Yon|Published 3 minutes ago Explore how South Africa's consumer credit landscape is evolving, as personal loans shift from large purchases to essential survival needs, revealing the challenges faced by households in managing their finances. Image: Supplied. South Africa’s consumer credit boom has moved from big ticket borrowing to survival sized debt.
The micro-loan is replacing the salary increase for many South Africans
Paul Yon|Published 21 minutes ago Explore how South Africa's consumer credit landscape is evolving, as personal loans shift from large purchases to essential survival needs, revealing the challenges faced by households in managing their finances. Image: Supplied. South Africa’s consumer credit boom has moved from big ticket borrowing to survival sized debt.
The micro-loan is replacing the salary increase for many South Africans
Paul Yon|Published 41 minutes ago Explore how South Africa's consumer credit landscape is evolving, as personal loans shift from large purchases to essential survival needs, revealing the challenges faced by households in managing their finances. Image: Supplied. South Africa’s consumer credit boom has moved from big ticket borrowing to survival sized debt.
Micro-loans: The new financial lifeline for South Africans
Economic Pressures Paul Yon|Published 1 minute ago Over the past two years, the number of personal loans opened has increased significantly, even as the average loan size has shrunk, signalling a structural move towards high-frequency, low-value borrowing as households scramble to plug month-end cash flow gaps rather than fund once-off purchases. Image: Pexels SOUTH Africa’s consumer credit boom has moved from big-ticket borrowing to survival-sized debt.
The micro-loan is replacing the salary increase for many South Africans
The micro-loan is replacing the salary increase for many South Africans By Paul Yon, CEO of VCCB. South Africa’s consumer credit boom has moved from big ticket borrowing to survival sized debt. Over the past two years, the number of personal loans opened has increased significantly, even as the average loan size has shrunk, signalling a structural move towards high-frequency, low-value borrowing as households scramble to plug month-end cash flow gaps rather than fund once-off purchases.
OPINION | How to survive the big salary squeeze
Structural reform might aid your personal finances over the long term, but, in the meantime, you need to be proactive about your spending, write John Loos and Paul Yon. For more financial news, visit News24 Business. The conflict in Iran has created a long-running economic shock that’s affecting individuals and companies globally. Oil prices are jumping around, reaching a Brent crude oil of $107 in early April, and official forecasts suggest it could stay above $95 in the near term.
The squeeze is real: what rising consumer debt means for South Africa's economic road ahead
21 April 2026 | Economy | General | John Loos, Economist & Paul Yon, CEO of VeriCred Credit Bureau Headwinds, hard choices and good reasons for South African consumers to build confidence in tough economic conditions The conflict in Iran has created a long-running economic shock that’s affecting individuals and companies globally. Oil prices are jumping around, reaching a Brent crude oil of $107 in early April, and official forecasts suggest it could stay above $95 in the near term.
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