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But dig a little below the surface and you find the brands philosophy is about giving a community access to cash. Internationally, Cash Converters is primarily a pawnbroker for secured money lending, then a buyer and seller of second-hand goods. In South Africa there were no laws governing pawn-broking and everyone did what they wanted it was the wild west out there. So when we launched the franchise in 1994 we wanted to position the business in a new, credible light and build a brand where mainstream people could come shopping, which meant we had to take it out of the seedy pawnbroking industry, says Richard Mukheibir, master franchisor and MD of Cash Converters.
Fortunately, the Cash Converter franchisors are an accommodating lot and accepted that a certain level of customisation was needed to make the brand work in South Africa. We went against the international trend of starting with pawnbroking and instead started with trading second-hand goods only. It was evergreen cash advance thompson lane years before we moved into pawnbroking because evergreen cash advance thompson lane then we were first and foremost a second-hand goods retailer.
Introducing lending. Whenever we bring a new product to the country, we go to the international network first to see what theyre doing and how its working. Looking to the primary income stream of international stores, in 2004 we capitol cash loan safe offering pawnbroking services and by 2007 the National Credit Act (NCA) allowed us to get more heavily into lending.
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Implications of Nonpayment. Financial Implications вЂ The cost associated with short term loans of up to 500 can range from 15 to 40, and these costs may climb even higher for loans that are greater than 500 in value.
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