Household Over-indebtedness: Understanding its Extent and Characteristics of those Affected

Lungile Ntsalaze, Sylvanus Ikhide

Research output: Contribution to journalArticlepeer-review

18 Citations (Scopus)


Household over-indebtedness has become a matter of concern across the world, in so far, as its social implications are concerned. The objective of this paper is to provide a snapshot of the prevalence of overindebtedness, using various indicators, and describe which households are over-indebted. In terms of the National Credit Regulator indicator, 8 percent of South African households are over-indebted. Results also show that, under the unsecured debt indicator, 15.2 percent of households are over-indebted, and 11 percent of households are driven below the relative income poverty line after making debt repayments. Most over-indebted households are found in the lowest income category, do not receive government grants and have an unemployed household head.

Original languageEnglish
Pages (from-to)79-93
Number of pages15
JournalJournal of Social Sciences
Issue number1-2
Publication statusPublished - 1 Jul 2016
Externally publishedYes


  • Definitions
  • Descriptive Analysis
  • Household Debt
  • Indicators
  • National Credit Regulator

ASJC Scopus subject areas

  • General Social Sciences


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