Ivor Chipkin is a pioneer of institutional studies in South Africa. He is the founder of the Public Affairs Research Institute and built the organisation into one of the country’s leading research and academic institutes in the country. Ivor Chipkin now works to develop institutional thinking in the POLICY environment through a new Think-tan

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South Africans have become more greatly indebted and struggle to help make ends fulfill, with interest rate hikes and the rise in consumer products, petrol and also the weak financial state crippling households across the nation.A lot of consumers experienced to reach out to lenders for financial loans to pay off their credit card debt which put th