Madam Deputy Speaker, as I said and as the hon member said, research and the campaign of rolling out enforcement are ongoing. I think that the National Credit Act is based on the premise that, in fact, there is an obligation on the credit provider in a very uneven and unequal transaction to ensure the affordability and sustainability of that credit extension to the credit consumer.
So, while it is, of course, obviously desirable that credit - normal credit - is available to people low-income groups at some kind of affordable rate, I think that what we have seen is a number of cases where credit is being extended at more than the legal maximum rates to people who are clearly unable to repay it, without adequate consideration of the creditworthiness of the people.
I also think that in a situation where 12 microlending enterprises are operating in one small community, Marikana, and 10 out of the 12 are not compliant with one or the other aspect of the Act, what that is telling us is that there is a story out there that needs the urgent attention of the NCR. Thank you.