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 are becoming extra seriously indebted and struggle to generate ends meet up with, with interest ratesl hikes and the increase in purchaser items, petrol and the weak overall economy crippling households across the nation.Several individuals had to reach out to lenders for financial loans to pay off their credit card debt which put th