The way in which ‘the household’ is defined and operationalised in surveys and census data collection has long been criticised as unable to adequately capture the complexities of the social units within which people live. In a South African national survey on household wealth (HWS) a...

As with many developing countries, the consumer macrostructure of South Africa is beset with a number of serious problems including high levels of poverty, a very unequal income distribution, negative personal saving rates and high personal gearing ratios. A consumer financial vulnerability...