Understanding households' financial resilience is critical for economic stability.

In recognising the need for data that provides more clarity on the financial disposition of households in general, and their ability to cope with debt in particular, Altron FinTech commissioned economist and economic advisor to the Optimum Investment Group, Dr Roelof Botha, to assist in designing this index. The index comprises 20 different indicators, all of which are directly or indirectly related to sources of income or asset values.

The AFHRI is weighted according to the demand side of the short-term lending industry and calculated every quarter, with the first quarter of 2014 being the base period, equalling an index value of 100. All the indicators are expressed in real terms, i.e. after adjustment for inflation.

Download the report to gain key insights into the financial resilience of South African households.