Service Offerings

Consumer Education


Financial Wellness and Literacy

Gübra Consumer Consultancy offers Financial Wellness and Literacy independently or as part of Employee Wellness Programmes already in place within organisations.
We, at Gübra Consumer Consultancy believe that if an organisation invests in its people (employees), not only does it benefit in increased production but it also creates a sense of pride amongst employees. This creates a win-win situation for both the employee and the employer and also a vital step towards achieving organisational effectiveness and efficiency.   

To achieve objectives of financial wellness and literacy, Gübra Consumer Consultancy focuses on the following aspects:


Our Financial Wellness Programme is broad and addresses various topics, including:

  • Understanding Credit
  • National Credit Act
  • Credit Bureau
  • The role of insurance in financial planning
  • Budgeting and savings
  • Over indebtedness and debt counselling


National Credit Act

The National Credit Act was enacted on 15 March 2006 to comprehensively regulate the credit industry in South Africa.  Its promulgation was the culmination of discussions and research conducted by various entities and government institutions. These indicated that the prevailing legislative environment at that time was incapable of addressing contemporary concerns in the credit market.

The Act repeals and replaces The Usury Act, the Exemption Notice and the Credits Agreements Act.

Our National Credit Act training addresses various topics including:


Debt Counselling

The National Credit Act makes provision for the Debt Counselling Programme to assist over-indebted consumers.  A consumer can seek the assistance of debt counselling on his/her own, or he/she may be referred to a Debt Counsellor by the court, the National Credit Regulator, employer or his/her creditors.  The main purpose of debt counselling is to:

Gübra Consumer Consultancy’s Debt Counsellors are registered with the National Credit Regulator. Their primary role is to assist over extended individuals:

Debt Counselling Gubra


Debt Counselling Costs



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