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(Click for frequent words.) 74 Credit Regulator NCR 68 Gabriel Davel 60 Rudco 55 Debt Counsellors 54 Setou 51 Vutula 51 Public Prosecutions Mokotedi Mpshe 50 Usury Act 50 spokesperson Makhosini Nkosi 50 economist Spiros Papadopoulos 49 MyCallcredit 49 RURA 49 Malawi NBM 49 Davel 49 Service CCCS 49 NamPost 48 Saambou 48 Namibia Financial Institutions 48 FNB Namibia Holdings 48 NBFIRA 48 Credit Counselling 47 BoN 47 Carl Niehaus 47 Poverty Eradication Programme NAPEP 47 Saambou Bank 47 Defence Force SANDF 47 Tshwane Metro Council 47 BOCCIM 47 Ms Mohlala 47 SNYC 47 Civic Organisation Sanco 47 Numbering Plan 46 Supervisory Authority Namfisa 46 Vusi Pikoli 46 DBSA 46 Kijjambu 46 KR Kamath 46 Sasbo 46 BoU 46 Electoral Commission CNE 46 Electoral Commission NEC 46 Mabandla 46 Non Governmental Organisations NANGO 46 Traditional Healers Association 46 NSFAS 46 Higher Education NCHE 46 Payplan 46 Capitec Bank 46 garnishee orders 45 ZANACO 45 Teachers KNUT 45 Vocational Training Institute NVTI 45 Citizens Advice 45 Bright Appiah 45 Electrification Administration 45 Mohlala 45 Electricity Employees NUEE 45 Bank NA.TO 45 Namfisa 45 CIBIL 45 Governing Council NGC 45 Gender Links 45 Veda Advantage 45 CCCS 45 UTODA 45 Securitisation Act 45 Ceta 45 BPPG 45 Muyunda Ililonga 45 chairman Malcolm Hurlston 45 Lankaputhra Development Bank 45 ASSBIFI 45 Louis von Zeuner 45 Roads Authority UNRA 45 SALGA 45 Sanral 44 Uganda BoU 44 Mineworkers Num 44 FNB 44 Msunduzi municipality 44 MFRC 44 willful defaulters 44 Umsobomvu Youth Fund 44 Mafole 44 MoneySolve 44 CEO Sizwe Nxasana 44 Swazi MTN 44 CAGD 44 Mampone 44 Cas Coovadia 44 AK Khandelwal 44 workers union Finsec 44 DFIs 44 microlenders 44 Waspa 44 Leaderguard 44 CEO Riaan Stassen 44 Credit Ombud 44 Credit Counseling 44 Mzansi account 44 Uganda BOU 44 PostBank 44 Association ANRA 44 NPA 44 eThekwini municipality 44 Long Distance NLD 44 Dr. Magnus Kpakol 44 India NPCI 44 Prof Ndung'u 44 Exportbank 44 RICA 44 NMBZ 44 Farmers Union ZNFU 44 Cape Town Unicity 44 Treasurer Sergio Edeza 44 Madikizela 44 Nqakula 44 PPADB 44 Mr Utouh 44 defaulters 43 Minority Educational Institutions 43 Reuben Muoka 43 Co operative Societies 43 Authority Nema 43 Hospersa 43 parastatal 43 Salga 43 Fihla 43 Defense DND 43 MFIN 43 Cibil 43 REO Brokers 43 Sabric 43 FAIS Ombud 43 Francois Beukman 43 FNB Namibia 43 Individual Voluntary Arrangements IVAs 43 Corporation NDIC 43 CreditExpert 43 Danie Cronje 43 Vusi Khanyile 43 Headteachers NAHT 43 Momoniat 43 Zambia BoZ 43 Sa Dhan 43 Afrikanerbond 43 Commission PenCom 43 Nyembezi 43 Ms Siliya 43 SACCORD 43 Ndalamei 43 MD Cas Coovadia 43 POTRAZ 43 Claire Whyley 43 Gavin Opperman 43 Meeg Bank 43 Batohi 43 Credit Unions NAFCU 43 dfcu Bank 43 Teba Bank 43 FNB Cellphone Banking 43 BoZ 43 Morathi 43 Development Indigenisation 43 homeloans 43 DRTs 43 Malcolm Hurlston 43 Negonga 43 Namibia BoN 43 Zambia NSCZ 43 RBAP 42 FinBank 42 NCB FSB 42 ICASA 42 Finbond 42 spokesman Tiyani Rikhotso 42 Imatu 42 NUBIFIE 42 Megalink 42 SAPS 42 Napwa 42 MFBs 42 advocate Mthunzi Mhaga 42 Icasa 42 Council KNSC 42 SAIMC 42 sacco 42 PesaPoint 42 Nehawu 42 Fambai Ngirande 42 GEMSA 42 Ithala 42 Shipowners Association INSA 42 dfcu 42 spokesman Makhosini Nkosi 42 Mr Marambii 42 Citizen Entrepreneurial 42 Ithala Development 42 Ms Masebo 42 Khula Enterprise Finance 42 Mr Hartzer 42 Microfinance Banks 42 Denis Orrock 42 NECF 42 NGOCC 42 Ltd NSDL 42 Vincent Seretse 42 Dr Mullei 42 Secunderabad Cantonment Board 42 spokesperson Tlali Tlali 42 Privatization NCP 42 Women NCW chairperson Girija 42 Ivor Blumenthal 42 Commission Napolcom 42 Firstrand 42 Makhosini Nkosi 42 Banks DFIs 42 Buhle Mthethwa 42 Tlali Tlali 42 Altech Autopage Cellular 42 SANDF 42 SBV 42 Nedbank Swaziland 42 saccos 42 MFIs 42 Meeg 42 Boikanyo 42 BCSBI 42 Santaco 42 Mthunzi Mhaga 42 NHTL 42 Mr Briault 42 Kandjeke 42 mortgager 42 Cees Bruggemans 42 IVAs 42 NEDBANK 42 SACCOs 42 Pupuma 42 Backward Classes NCBC 42 National Debtline 42 Mbingo 42 BotswanaPost 42 RTSA 42 National Prosecuting Authority 41 BURS 41 Bulelwa Makeke 41 Telecel Zimbabwe 41 conveyancers 41 Moholi 41 Mafisa 41 CDWs 41 John Wanyela 41 Chifumu Banda 41 BNYC 41 MMCB 41 ZUFIAW 41 Housing Authority NHA 41 MortgageSA 41 ICSL 41 Authority NHH 41 Kombani 41 NCCB 41 Certified Counselor 41 Godfrey Kisekka 41 MKMVA 41 Shipanga 41 Mortgage Arrears 41 UPERC 41 NDPP 41 Dr Kgosi Letlape 41 Flip Buys 41 SMME Forum 41 Selby Bokaba 41 Ed Grondel 41 Ghana Students NUGS 41 NCA 41 ZAMEC 41 spokesperson Mthunzi Mhaga 41 Masambu 41 NBFC MFI 41 Ms Kijjambu 41 Commission NAICOM 41 Transunion 41 Espenilla 41 Thami Bolani 41 JPSC 41 Eng Mudzuri 41 NPCI 41 Tenancy Deposit Scheme 41 Capital Territory MFCT 41 AICCCA 41 public prosecutions NDPP 41 Meat Inspection Service 41 Simelani 41 VODACOM 41 Bankers Association KBA 41 Monareng 41 Absa 41 Board UNEB 41 TBCSA 41 Callcredit 41 Umsobomvu 41 Hadebe 41 Tanzania BoT 41 chargeoff 41 FNBB 41 Saswitch 41 Ramatlhodi 41 spokesperson Marumo Moerane 41 Botswana BoB 41 Magashula 41 Avian Influenza Task Force 41 Tshishonga 41 Omang cards 41 Ethiopia NBE 41 Alhaji Abubakar Kawu Baraje 41 Zambia BOZ 41 CIBN 41 association Apacs 41 Gidani 41 AIDS NACA 41 Theledi 41 MSACS 41 Finsec 41 Xolisa Vapi 41 banks DFIs 41 Mahlati 41 Dr Mahoso 41 Ntloko 41 AADMO 41 LSZ 41 credit bureaus 41 premier Nomvula Mokonyane 41 Copperbelt MMD 41 Payment Clearing 41 AllPay 41 Riaan Stassen 41 FIs 41 Nabard 41 Jacques Schindehutte 41 Mdladlana 41 Nkosana 41 Bulunga 41 SARFAESI Act 41 Gensec 41 conveyancer 41 Africa DBSA 40 Saccos 40 GLRU 40 Nxedlana 40 Vuyo Jack 40 ZNCB 40 Chief Arturo Lomibao 40 Stéfane Marion 40 habitual defaulters 40 George Frazis 40 BMWU 40 Daniel Motinga 40 CIIN 40 SADTU 40 Shiimi 40 Thoraya Pandy 40 SAMWU 40 NCRB 40 Batshu 40 association APACS 40 John Gorle 40 Baycorp Advantage 40 POSB 40 FNBS 40 economist Isaac Matshego 40 Adsul 40 NITDA 40 ABSA 40 HBFC 40 Mortgage Brokers NAMB 40 Reverse Mortgage Lenders 40 NERBAC 40 Popcru 40 Payments Clearing 40 Negotiable Instruments Act 40 NDFC 40 Finance Institutions MFIs 40 Botswana FNBB 40 DNCR 40 Icai 40 Vekuii Rukoro 40 EAAB 40 ARB Apex Bank 40 Shoprite Checkers 40 SPYL 40 Group JSE SBK 40 Teachers SNAT 40 Mlangeni 40 Mkabile 40 netbanking 40 Technical Education NBTE 40 Trans Namib 40 Mr Frazis 40 Harry Senlitonga 40 Ambrose Dlamini 40 RoCs 40 ZNTB 40 Industry UNCCI 40 homeloan 40 TCCIA 40 Nafcoc 40 IMFB 40 Ceylinco Consolidated 40 Issuing Houses 40 Ranjana Kumar 40 CCCF Act 40 EAC secretariat 40 Calle Schlettwein 40 HA Daruwalla 40 Equifax EFX 40 ANCWL 40 economist Marc Pinsonneault 40 SHCIL 40 Metrofile 40 Network Branded Prepaid 40 Nzeku 40 MISA Malawi 40 ZACA 40 Katlholo 40 Mberi 40 Maduna 40 Dolly Mokgatle 40 union Finsec 40 Ramatlakane 40 provisional liquidator 40 Mortgage Intermediaries AMI 40 Ponahalo 40 UCBs 40 Tshwane metro 40 grievance redressal mechanism 40 ZESA Holdings 40 secretary Fikile Majola 40 boss Menzi Simelane 40 Teacher Education NCTE 40 Association IMLA 40 Faulu 40 OSIC 40 TTCL 40 CareerJunction 40 AIBEA 40 ABIL 40 Bongani Dlamini 40 Kabenge 40 Ltd CIBIL 40 Thulani Maseko 40 Letshego 40 Union Nafinu 40 Nedbank 40 TDX Group 40 Ms Tagicakibau 40 Persal 40 Captain Dennis Adriao 40 ZNCC 40 NUMSA 40 BFIs 40 Sizwe Nxasana 40 Surendra Bir Malakar 40 Agrimero Cruz Jr. 40 Nedlac 40 Potraz 40 willful defaulter 40 Mr Munchenberg 40 IBSL 40 Mr Serulagilagi 40 CreditExpert.co.uk 40 MASLOC 39 NBFIs 39 Sebetso 39 Moneynet.co.uk 39 Remortgages 39 Smuts Ngonyama 39 SMEDAN 39 Scheduled Castes NCSC 39 Kacc 39 Queensland BoQ 39 Council Knec 39 NovaStar Mortgage 39 Absa Nedbank 39 Zimbank 39 Magwaza 39 Khula 39 NCLC 39 American Bankers Assn 39 SHHA 39 Authority NCA 39 PNCC 39 spokesman Tlali Tlali 39 spokesman Kevin Mukri 39 PRESIDENT Mwanawasa 39 Samurdhi beneficiaries 39 Engineer Ernest Ndukwe 39 Tertiary Education NCTE 39 Infochoice 39 SADC secretariat 39 Development Agency NITDA 39 spokesman Mthunzi Mhaga 39 Solicitor General Lucien Tibaruha 39 SCB 39 Nxasana 39 DFCC Vardhana Bank 39 Tlali 39 Ashvin Parekh 39 Finance Agency FHFA 39 IFSRA 39 Pawnbrokers Association 39 lender RAMS 39 Mohlahlane 39 NDTL 39 GNECC 39 Nigeria Deposit Insurance 39 Mncwabe 39 Rugby Pty Ltd 39 Social Action NaCSA 39 IDBP 39 learnerships 39 Mosunkutu 39 Sacob 39 Mazibuko Jara 39 BOPEU 39 Abil 39 CEO Solly Mokoetle 39 DMBs 39 ABCUL 39 NS Sisodia 39 Motshwarakgole 39 PSFU 39 licensed insolvency practitioner 39 FMBN 39 NAWEC 39 AgriSA 39 officer Catherine Wolthuizen 39 Isett Seta 39 ANC 39 LVRs 39 Tawusa 39 Consumer Credit Counseling 39 Avelino Razon Jr. 39 parastatals 39 Matsebula 39 Mthimkhulu 39 NASSI 39 mydeposits.co.uk 39 Econometrix 39 HomeEq 39 Approved Freight Forwarders 39 Management NIBM 39 Asset Forfeiture Unit AFU 39 FODEP 39 Inkatha Freedom Party 39 Cherian Varghese 39 RateCity 39 Delinquency Survey 39 auditors PricewaterhouseCoopers PwC 39 Banking Codes 39 Ombud 39 FNPF 39 Privatisation NCP 39 Pubali Bank 39 MISA Swaziland 39 Fica 39 Nessa Feddis vice 39 Individual Voluntary Arrangements 39 Consumerinfo 39 Windhoek Municipality 39 Themba Ncube 39 Cosatu 39 Kristy Sheppard 39 Senkumar 39 DCCB 39 Haimbili 39 Mukundu 39 Nessa Feddis 39 ZTB 39 Wally Beelders 39 Limited NSDL 39 NCRPB 39 Fedbond 39 Fidentia curators 39 NITEL MTEL 39 Mr Lifwekelo 39 Deirdre Hutton 39 Equifax 39 Academy NCA 39 CAAMP 39 SIPEU 39 Corrado Faissola 39 N#.#trillion [001] 39 HESLB 39 KEBS 39 Financial Regulator 39 Glenrand 39 Farmers Federation NFF 39 R2 1bn 39 Marole 39 ECOBANK 39 Nkonyane 39 Kensington Mortgages 39 Emcredit 39 Matlakala 39 gross NPAs 39 NBPCA 39 Krion 39 KNCHR 39 Andrew Kasirye 39 borrowers 39 Kaizer Mohau 39 Von Zeuner 39 cooperative societies 39 Cde Ignatius Chombo 39 economist Magan Mistry 39 Medshield 39 SBP BSC 39 Makhosini Nkosi spokesperson 39 IRBA 39 Rajeshwar Singh 39 Financial Institutions Examination 39 ZIMTA 39 Glotec 39 Faulu Kenya 39 Information System GCIS 39 Ocwen Financial 39 Alfred Angula 39 Gopane 39 DICGC 39 Makgetla 39 BOCONGO 39 Motlatsi Nzeku 39 Louis Vachon 39 unauthorized debits 39 FDC Iloilo 39 WesBank 39 NANGO 39 Commission NUC 39 Tshwane metro police 39 Titus Ndambuki 39 Mrs Mwatela 39 Dermot Jewell 39 Gerald Sendaula 39 Mabasa 39 UEDCL 39 Public Protector 39 ICPAK 39 CAA spokesperson Phindiwe 38 Numsa 38 Mr. Ganiyu Ogunleye 38 Justice DP Wadhwa 38 Dinesh Rai 38 Telkom JSE TKG 38 Petje 38 ICOB 38 Finance Brokers NACFB 38 ZimRights 38 unlicensed moneylender 38 Primebroker 38 BCSB 38 GIPC 38 Ly Xuan Hai 38 SACTWU 38 Abvest 38 Mushayavanhu 38 SMME 38 Sactwu 38 Service MABS 38 Madlala 38 Automated Teller Machines ATMs 38 Mineworkers 38 debit cardholders 38 APSFC 38 Zellco 38 NACRDB 38 Bobcards 38 storecard 38 Swapo Party 38 Nafau 38 insolvency practitioners 38 CAHB 38 CLOGSAG 38 learnership 38 PTUZ 38 Jipsa 38 spokesman Dumisa Ntuli 38 Mr Osei Bonsu 38 NPL ratio 38 NHMFC 38 Swabou 38 boss Vusi Pikoli 38 Capicol 38 Tevita Banuve 38 ooba 38 Modipane 38 lendings 38 Siyanda Mhlongo 38 DK Tiwari 38 Ghana BoG 38 Lubisi 38 NDB 38 Caroline Hubberstey 38 Carl Belgrove 38 KEPSA 38 NIOB 38 e zwich cards 38 Management NACM 38 Benadie 38 Ntsika 38 Ogunbanjo 38 FKE 38 Sudhakar Gande 38 Mbethe 38 Nevada Microenterprise Initiative 38 Debt Collectors 38 Intersite 38 CredAbility 38 Edgar Aglipay 38 R1 7bn 38 Verimark 38 Swaziland Posts 38 BEDIA 38 Elexir 38 Margadarsi 38 Nedcor 38 Paulus Noa 38 Regulatory Authority TCRA 38 Nagesh Pydah 38 Netball Fiji 38 Wafaqi Mohtasib 38 Qoboshiyane 38 DTCB 38 Punjab CBoP 38 Governor Savenaca Narube 38 Agribank 38 Telkom 38 Guillermo Parayno 38 Van der Walt 38 Development Agency ZDA 38 Welkom Yizani 38 Mr Gwasira 38 Sipepa Nkomo 38 SANC 38 Barclaycard 38 Mkonza 38 Sesinyi 38 Sharemax 38 Sasfin 38 Uasa 38 Sigabi 38 lender Cattles 38 Administrators MCR 38 Sarfaesi Act 38 Prof Baregu 38 Loyiso Mtya 38 TY Prabhu 38 Lokayukta ombudsman 38 Service Scheme NSS 38 Vodacom 38 HUDCO 38 delinquencies 38 retrenched 38 PFMA 38 agencies Experian Equifax 38 BFTU 38 MISA Zimbabwe 38 Mr Magande 38 ZABG 38 SCCU 38 LWUA 38 Nabta 38 Information Centre Sabric 38 #twenty 38 unlicensed moneylenders 38 DSIDC 38 Edcon 38 SPTC 38 Ndamase 38 LICHFL 38 arrear 38 Bharatlal Meena 38 FirstRand Ltd. 38 Securities Depository NSDL 38 Ngcamu 38 Ramnath Pradeep 38 MSCB 38 Gillwald 38 Mampeule 38 OERC 38 Tim Karsky 38 CommunityONE 38 Agri SA 38 Hikaumba 38 NPSC 38 DERC 38 Advisers AFA 38 PIBA 38 Simataa 38 Jaco Kleynhans 38 BPPR 38 Bankers Association 38 Dfcu 38 SNAT 38 DFCU 38 Shailendra Bhandari 38 Boinamo 38 Stats SA 38 KSFC 38 Louw 38 Refilwe 38 JIBAR 38 DNCL 38 Nessa Feddis senior 38 general secretary Katishi 38 Group JSE NED 38 arrears 38 lenders 38 Napwu 38 AMFI 38 Saswitch fees 38 Nondwangu 38 SMIEIS 38 Joseph Kaguthi 38 prudential regulations 38 GCB 38 Mr Lengoiboni 38 dishonored checks 38 payments association Apacs 38 Afriforum 38 NSUC 38 Agency CEDA 38 Kandjii 38 Party NNP 38 Jesus Versoza 38 Dr Mang'eli 38 Van der Westhuizen 38 CCJs 38 Indigenization 38 chairperson Lovemore Madhuku 38 Ecsa 38 Sidbi 38 Gerhard van Zyl 38 Ngwema 38 Molomo 38 HDMF 38 V Leeladhar 38 OCC regulates 38 AfriForum 38 Ndzinisa 38 FirstRand 38 CBN NDIC 38 OP Vaish 38 NPAs 38 Mejn 38 Engr Ernest Ndukwe 38 MMD Lusaka Province 38 Communicable Disease NICD 38 ZUJ 38 Private Voluntary Organisations 38 Tumelo 38 Remant Alton 38 Equifax NYSE EFX 38 defaulter 38 FirstRand JSE FSR 38 EFTPOS transactions 38 CommunityONE Bank 38 Maqetuka 38 Madam Ama Benyiwa Doe 38 voluntary liquidations 38 voluntary arrangements IVAs 37 Cape Town Routes Unlimited 37 Seeletso 37 RTO Karachi 37 #.#pps y y 37 undischarged bankrupts 37 Mr Kitonga 37 Tax Professionals NATP 37 PEEPA 37 Mbaiwa 37 Service FOS 37 LandBank 37 SCBs 37 Nakheel bondholders 37 Meintjies 37 Crisil Ratings 37 compulsory liquidations 37 Apacs 37 Sikisi 37 Conrad Beyers 37 provident fund PF 37 FICTU 37 Heartland BancCorp 37 Adcorp 37 Dearness allowance 37 Khomotso 37 institutions MFIs 37 PTPTN 37 Ghana BOG 37 Choppies 37 Capitec 37 Mr Kotobalavu 37 Liquidity Ratio 37 NPAN 37 John Mangudya 37 Sierratel 37 Wema Bank Plc 37 Hlangani 37 Premila Kumar 37 Zimbabwe CBZ 37 Ntuli 37 CANGO 37 mortgagors 37 arivia.kom 37 Mr Kabonde 37 DROs 37 Gqomo 37 Hannah Tetteh 37 Van Niekerk 37 Filstar 37 Comrade Abdulwaheed Omar 37 NIA 37 Akashambatwa Mbikusita Lewanika 37 Government Guaranteed Lenders 37 FF Plus 37 furnishers 37 borrower defaulted 37 Army ZNA 37 Asempa News 37 PMLA 37 Bakkabulindi 37 Mazengera 37 Blackie Marole 37 Altech Netstar 37 FOMCA 37 ZimTrade 37 ZCID 37 Orders DROs 37 Mothobi 37 Mpungose 37 Thuthukani 37 Shaetonhodi 37 Premier Cassel Mathale 37 Qoboshiyana 37 Haikali 37 Residential Lettings Agents 37 Oshana Regional 37 BBC Mpho Lakaje 37 provisioning norms 37 PIDM 37 unauthorized overdrafts 37 CMS2 37 Water Companies NAWC 37 Tjihumino 37 Ernest Ndukwe 37 provisional liquidators 37 Rob Coombe 37 Chonco 37 Small Scale Industrialists 37 MISA Botswana 37 ChexSystems 37 Jacob Mudenda 37 Kholwane 37 Foundation Uganda PSFU 37 Xaba 37 Mr Mwaanga 37 IDFPR 37 Msibi 37 Jessie Duarte 37 MACRA 37 Cassius Moetie 37 NDIC 37 FSSAI 37 Fundamo 37 Mlazie 37 Nedbank JSE NED 37 unarranged overdrafts 37 Enoch Godongwana 37 SK Shukla 37 Matodzi Resources 37 Queensland LGAQ 37 ISSER 37 Mthobi Tyamzashe 37 microfinanciers 37 Ngonyama 37 Conciliation Mediation 37 KS Jawahar Reddy 37 Wesbank 37 Mr Muhakanizi 37 deductors 37 FSCP 37 Ronilo Quebrar 37 Zesa Holdings 37 Catherine Wolthuizen 37 Baatjies 37 Sh#.# billion [002] 37 WINDHOEK FNB Namibia 37 Mhlongo