South African youth face distinct credit market barriers despite active economic roles.

Loading player...
GUEST – Jaco van Jaarsveldt, Head of Commercial Strategy and Innovation at Experian



Young South Africans are actively contributing to key sectors of the economy, yet they remain underrepresented in the credit market, according to Experian’s latest Consumer Default Index (CDI) for Q1 2025. While the CDI for the total market has improved by 14% year-on-year, the report highlights persistent barriers that avert youth from building financial independence through responsible credit access.



The CDI Youth measure – an indication of first-time technical arrears amongst consumers in youth segments, typically under 30 – improved significantly over the past year, decreasing from 7.55 in March 2024 to 5.76 in March 2025. This positive shift in CDI is primarily influenced by a more cautious lending environment, which has led to restricted credit supply.
7 Jul 2025 3PM English South Africa Business News · Investing

Other recent episodes

How South Africans Are Stretching Every Rand

South Africans are increasingly living two very different financial realities. New research from NielsenIQ reveals a growing consumer divide, with almost equal numbers reporting that they're either financially worse off or better off than a year ago. As inflation, food prices and household costs continue to bite, consumers are changing…
28 Oct 1PM 13 min

ECIC at 25: Reimagining South Africa's Export Future

As the Export Credit Insurance Corporation of South Africa (ECIC) marks 25 years of supporting exporters, newly appointed CEO Linda Seroka joins Kaya Biz to outline the institution's future vision. From supporting emerging exporters and SMMEs to exploring new trade opportunities in Asia and the Middle East, the discussion examines…
28 Oct 1PM 13 min

The Real Income Crunch: What September's Net Salary Data Reveals

South Africa's average take-home salary edged higher in September, but the latest PayInc Net Salary Index reveals a harsher reality beneath the headline figures. Independent economist Elize Kruger unpacks why rising fuel costs, inflation and weakening purchasing power continue to place pressure on households, what it means for consumer spending,…
28 Oct 12PM 12 min

Opportunities and Risks in the Global Commodity Rally

Oil, copper and agricultural commodities are rallying as geopolitical tensions, climate pressures and energy-transition demand reshape global markets. Kaya Biz speaks to Simon Lacoume of Coface about the opportunities for South Africa's mining sector and the risks posed by rising inflation and food prices
27 Oct 1PM 15 min

African Bank's Next Chapter: From Turnaround to Growth

African Bank has spent years transforming itself from a specialist unsecured lender into a diversified retail and commercial banking group. Kaya Biz speaks to Chairman Thabo Dloti about the bank's evolution, the lessons learned from its acquisition-led growth strategy, leadership stability, and whether African Bank is finally entering the value-creation…
27 Oct 12PM 23 min