At the helm of Gauteng’s biggest business radio show, Kaya Biz, is Gugulethu who will be leading the conversation on what is next for the Afropolitan business landscape. The show presents local and international business news, entrepreneurship, corporate and investment banking. Since its inception in May 2006 Kaya Biz has grown from a half-an-hour daily finance update to an hour show bringing compelling business news and market reviews to listeners.
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Join the host of Kaya Biz, Gugulethu Mfuphi, as she takes you on a journey about how you can secure your future, with Allan Gray. In a time when world economies are in a perpetual state of volatility, it is those who stay ahead of the curve and keep abreast with latest trends to respond to the tough economic challenges with sustainable strategies. Tune in, to find out how you can secure your investments, retirement annuity, personal savings and all your valuable assets.
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1Life Insurance survey indicates a shift in generational debt trends among South African women
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GUEST - Hayley Parry, Money Coach and Facilitator at 1Life's Truth About Money. A recent 1Life Insurance survey has indicated a shift in generational debt trends among South African women, as they relentlessly pursue financial security amid economic challenges. Over 50% of respondents (led by women) indicated that they do not have generational debt…
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Only 34 of 257 municipalities achieved clean audits in 2022-23
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GUEST - Miyelani Holeni Group Chief Advisor at Ntiyiso Consulting Group Poor audit outcomes in local government continue unabated, with only 34 of South Africa’s 257 municipalities obtaining clean bills of health. Auditor general Tsakani Maluleke highlighted this stark finding when her office presented its 2022-23 consolidated general report on loc…
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ALLAN GRAY: Two-pot: How to achieve better retirement outcomes
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GUEST – Mthobisi Mthimkhulu - Direct Clients manager at Allan Gray With the implementation of the two-pot retirement system just days away, South African retirement savers will soon have greater flexibility and accessibility to their long-term savings. While access to the savings component will come as a welcome relief to those in dire need, it is …
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Access to affordable housing remains a problem for the missing middle
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GUEST - Mamoloko Kubayi: Human Settlements Minister Human Settlements Minister says the rejection rate of historically disadvantaged persons applying for home loans is concerning. Kaya FMBy Gugulethu Mfuphi
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Transport Education & Training Authority set on empowering women in the Transport & Logistics Sector
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GUEST - Kgatile Nkala, Corporate Services Executive at Transport Education & Training Authority. In an era marked by progress and evolving societal norms, the imperative to empower women in traditionally male-dominated sectors such as transport and logistics has never been more urgent. Beyond mere diversity metrics, true empowerment begins with equ…
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OPINION: Investing in unlisted ventures may look exciting, but there can be some serious drawbacks
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GUEST – Simon Brown – Founder of JustOneLap. As an investor looking to diversify your portfolio, unlisted shares may seem like an attractive option, however, there can be some serious drawbacks. Kaya FMBy Gugulethu Mfuphi
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Understanding short-term insurance habits South Africans choose to prioritise
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GUEST – Andrew Fulton, Director at Eighty20 South Africa, is a country grappling with high crime rates, economic volatility and climate change. With disposable incomes under pressure, these concerns underscore the crucial role of insurance as a safety net for individuals dealing with extreme and unforeseen events. Eighty20, South Africa's leading c…
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What the new Living Wage really means to low earning South Africans
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GUEST - Professor Ines Meyer - Chairperson of the Living Wage South Africa Network. Recently, Professor Ines Meyer from the University of Cape Town announced a monthly income of R15,000 net as the Living Wage figure for 2024 to the Living Wage South Africa Network (LWSAN). The amount is calculated against the self-reported quality of life of low-ea…
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Call for streaming service platforms to contribute to infrastructure development in South Africa
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GUEST - Nomvuyiso Batyi - CEO of Association of Comms and Technology The Association of Communications and Technology (ACT) wants services like Netflix to contribute to the costs of building and upgrading the network infrastructure that supports their businesses. It wants to implement “Fair Share” arrangements in the over-the-top (OTT) space to ach…
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GUEST – Cobus Loubser, Curro Chief Executive Officer (CEO) Curro's revenue rose by 8.3% to R2 588 million, driven by a 0.5% increase in the average number of learners, which totalled 72 758 for the first half of 2024. Curro CEO, Cobus Loubser joins us to unpack their latest results. Kaya FMBy Gugulethu Mfuphi
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Ekasinomics: Vukile Retail Academy exists to give emerging retailers a head start.
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GUEST - Itumeleng Mothibeli - Managing Director: Vukile Southern Africa JSE-listed REIT Vukile Property Fund’s Vukile Retail Academy aims to unearth and develop the next generation of talented retail entrepreneurs. The one-year programme developed by the academy will incubate emerging retail SMMEs, giving them on-the-ground experience in a formal s…
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INSIDE YOUR BUSINESS: The importance of having employees who connect multiple generations in the workforce
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GUEST – Deon Smit is a Master Reward Specialist and SARA Executive Member. "Cuspers" excel at connecting multiple generations within the workforce. But what exactly is a cusper, and why should organisations pay attention to them? A cusper is someone born at the intersection of two generations, embodying a blend of traits from both. These individual…
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GUEST - Frank Blackmore, Lead economist at KPMG After holding steady for ten months in the 5–6% range, annual consumer price inflation slowed to 4,6% in July from 5,1% in June. The July inflation print is the lowest in three years since July 2021, when the rate was also 4,6%. Lower annual rates were recorded for several product groups, most notably…
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JSE-listed restaurant chain Spur Corporation posts 7% profit.
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GUEST – Anthony Clark – Reasercher at Small Talk Daily. JSE-listed franchise restaurant chain Spur Corporation saw its headline earnings per share grow by 11.4% to 291.02 cents for the year ended 30 June 2024, it announced in a statement on Sens on Wednesday. Profit before income tax was up 7.3% to R341.7 million, and revenue increased by 14% to R3…
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Examining female vs male job applications over the last three years
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GUEST - Paul Byrne, Head of Data Insights & Customer Success at Pnet Are there occupations where more women are trying to move into? If yes, what are those? Pnet’s in-depth analysis on female vs male job applications over the last 3 years reveals the top 10 occupations with a significant uptake of female applicants in previously male dominated jobs…
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Higher exit rate for SA women entrepreneurs compared to start ups new research
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GUEST – Natanya Meyer - Associate Professor at University of Johannesburg South African women are exiting their businesses at a higher rate than they are starting and running businesses indicating they need more support in growing start-ups to the established stage of more than 3.5 years. This is a key finding of the Global Entrepreneurship Monitor…
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Sasol records R44 billion loss for its latest financial year.
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GUEST - Simon Baloyi, SASOL CEO Energy and chemicals group Sasol recorded a R44 billion loss for its latest financial year, compared with profit of R8.8 billion a year earlier. SASOL CEO, Simon Baloyi joins us to unpack their latest results. Kaya FMBy Gugulethu Mfuphi
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Sports bettings in SA reached R420 billion in 2023.
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GUEST - Nkoatse Mashamaite, National Gambling Board's Chief Compliance Officer Money placed on sports bets in South Africa has skyrocketed over the past several years, reaching R420 billion in 2023. At the end of FY2022/23, R815.1 billion was wagered in the entire South African gambling industry—more than the budgets of the peace and security, heal…
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Qatar Airways to acquire 25% stake in Airlink
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GUEST – Phuthego Mojapele, Aviation analyst Qatar Airways bought a 25% stake in SA Airlink as the Doha-based airline looks to expand its presence on the continent. The equity deal was officially confirmed at a meeting between airline officials at the Hyatt Regency Oryx hotel in Doha on 20 August. Kaya FM…
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36% of domestic workers experienced job losses due to employer affordability issues: Report
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GUEST - Lourandi Kriel, CEO SweepSouth Inflation and the broader cost-of-living crisis are taking an immense financial and mental toll on South Africa’s domestic workers. That’s one of the standout findings from the seventh annual SweepSouth Report on Pay and Working Conditions for Domestic Workers released this week. The report, which has tracked …
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Bidvest Bank and Sorbet gives staff opportunity to own a franchise
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GUEST – Hannah Sadiki – CEO of Bidvest Bank The Bidvest Bank Sorbet-Preneur is an innovative empowerment programme designed to transform dedicated Sorbet employees into successful business owners. This programme offers selected Sorbet Citizens - employees who have demonstrated their commitment by working in a store for two or more years with the un…
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Absa CEO Arrie Rautenbach takes early retirement
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GUEST - Khaya Sithole - Independent Analyst and CA(SA) AND Boniwe Dunster - Human Resources Executive: Lanseria International Airport Absa’s chief executive Arrie Rautenbach has agreed to take early retirement after discussions with the board, according to a statement released by the lender on Monday. Rautenbach is the group’s sixth CEO in just six…
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Exxaro delivers positive results despite challenging operational and market conditions
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GUEST – Dr Nombasa Tsengwa – Exxaro Resources CEO Exxaro Resources Limited reported earnings results for the half year ended June 30, 2024. For the half year, the company reported sales was R 18,981 million compared to R 18,943 million a year ago. Net income was R 3,686 million compared to R 5,905 million a year ago. Basic earnings per share from c…
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Standard Bank posts 4% rise in half-year profit
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GUEST – Sim Tshabalala – Standard Bank Group CEO Africa’s largest financial services provider, Standard Bank reported a resilient half-year performance amid a challenging credit market in SA. The group’s headline earnings rose 17% in constant currency, driven by solid growth in Corporate and Investment Banking, Insurance and Asset Management as wel…
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GUEST – Ralph Mupita - MTN Group CEO MTN has recorded a substantial loss following the devaluation of the Nigerian Naira. In the first six months of 2024 (H1 2024), the group’s service revenue (in rand terms) dropped by 20% from R107 billion to R85 billion. On a more positive constant currency basis, group service revenue increased by 12.1%. Kaya F…
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Thungela Resources profit slumped almost 60% due to lower prices and rail disruptions.
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GUEST - July Ndlovu - Thungela Resources CEO The miner cut the half-year dividend to R2 per share (R281 million), down from R10 previously, after its profit fell 61% to about R1.2 billion in the six months to end June. During the period energy prices continued to fall, mainly driven by the milder European and Northeast Asian winter season, which re…
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GUEST - Viwe Bacela - Head of Marketing:CIB Client Coverage, International and Strategic Projects KayaBiz host, Gugulethu Mfuphi is joined by Viwe Bacela, the Head of Marketing: CIB Client Coverage, International and Strategic Projects at Absa CIB to chat about their exciting new brand repositioning campaign,‘Invested in your Story.’ We explore how…
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GUEST – Chef Phill - Founder of Unorthodox Restaurant The Unorthodox Chef takes over Mogodu Mondays, Tlhakwana Tuesdays, Maotwana Wednesdays and Oxtail Sundays with 12-minute ready-made hearty meals. The Unorthodox Chef Catering has grown reputable in the culinary world since its inception three years ago as a food manufacturer specialising in Mzan…
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INSIDE YOUR BUSINESS: Lack of investment in women-founded startups is a missed opportunity
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GUEST - Audrey Verhaeghe, CEO of ANZA Capital, In the start-up world you will find many views on whether men or women bring the most value. There is more consensus on the fact that diversity is where the magic happens, where 1+1=3, in the words of Audrey Verhaeghe, CEO of ANZA Capital, a female-led investment firm that is addressing the funding gap…
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Castle Lager maintains top position as Africa’s most valuable beer brand.
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GUEST - Jeremy Sampson, Chairman Brand Finance Africa If one asks what the alcoholic drink of choice in Africa is, it would be beer, and invariably a local brand. Reviewing the 2024 Brand Finance Africa 200 report (released in May 2024), there are no less than 15 brands listed from six countries: Ethiopia, Kenya, Nigeria, South Africa, Tanzania, an…
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Why kidnapping for ransom in SA is quickly becoming a quick cash solution for criminals
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GUEST - Chad Thomas- IRS forensic investigator AND Nerosha Maseti: Lead Ombudsman - Banking Division, National Financial Ombud Scheme (NFO). According to media reports there has been a significant increase in kidnappings in South Africa, where criminal syndicates have targeted South African entrepreneurs. The banking division of the National Financ…
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GUEST - Siphamandla Mkhwanazi, FNB Senior Economist Retail sales continued their upward trajectory in June, surging to 4.1% y/y, from 1.1% in May (revised from 0.8%). This significantly outpaced Reuters expectations of a 1.1% expansion. On a month-on-month basis, volumes rebounded by 1.6% from the 0.2% decline in May (revised up from 0.7%). This ou…
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Price personalisation or price discrimination: Can your computer tell the difference?
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GUEST - Reece May is a Senior Associate in the Competition Law practice at CDH From booking accommodation and transport to purchasing products online, data analytics has given businesses the ability to use automated pricing algorithms to charge personalised prices to every customer based on their data profile. Does this personalised pricing contrav…
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GUEST - Risenga Maluleke - Statistician-General South Africa’s unemployment rate has jumped massively to 33.5%. According to Stats SA’s Quarterly Labour Force Survey, the official unemployment rate increased by 0.6 percentage points from 32.9% in Q1 2024 to 33.5% in Q2 2024. Kaya FMBy Gugulethu Mfuphi
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HomeChoice reports 51% increase in new customers.
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GUEST – Sean Wibberley - HomeChoice International CEO The Group made pleasing progress in the past six months, growing its customer base by 51%. This comes after a 39% customer growth in the previous financial year. HIL also increased disbursements by 17% to R2.8 billion, delivered Buy Now, Pay Later (BNPL) Gross Merchant Value (GMV) of R1.5 billio…
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ALLAN GRAY: Two-pot: How to achieve better retirement outcomes
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GUEST – Richard Carter - Head of Assurance at Allan Gray The two-pot system has been designed to improve retirement outcomes for South Africans, while allowing some access to retirement savings in case of severe financial stress. However, there are some hidden risks that investors should be aware of to ensure they don’t inadvertently offset its int…
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GUEST – Hylton Kallner, CEO of Discovery Bank Discovery Bank has made a strategic decision to focus on a digital-first banking model. This means they prioritize offering banking services primarily through their mobile app and online platform. We chat to Discovery Bank CEO, Hylton Kallner to understand the bank's digital strategies. Kaya FM…
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DBSA reports a net interest income increase of 18%.
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GUEST – Boitumelo Mosako - DBSA CEO The DBSA continues to operate financially sustainably despite a challenging environment marked by high interest rates, subdued economic growth, worsening sovereign debt position of several African countries and challenges in the municipal and logistics sectors. The Bank’s net profit decreased by 11.5% to R4.6 bil…
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The Business of Pawn Stores in SA – How they’ve had to innovate to survive.
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GUEST – Peter Forshaw - Chief Financial Officer for Cash Converters Southern Africa. In South Africa, pawning goods as a way to secure loans can be traced back to colonial times. Pawn shops that offered loans against jewellery, watches, tools and other comparatively small personal items of value existed in colonial Cape Town, and in other smaller c…
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Career’s Corner: Theft as a ground for dismissal
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GUEST - Kagiso Lebethe - Senior Employee Relations Specialist Theft is viewed by the courts as a serious disciplinary offence and normally justifies dismissal at first instance regardless of the value of the property involved. It will not avail the employee the length of service which he/she has served, the absence of prior warnings, whether the pr…
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Are SA’s local governments adequately diversified in their revenue streams?
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GUEST - Miyelani Holeni - Group Chief Advisor at Ntiyiso Consulting Group. According to Salga, there are 66 municipalities considered by National Treasury to be “severely financially distressed” and the 157 that are considered “financially distressed” have severe affordability issues. This is the majority (86%) of municipalities as there are a tota…
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Why are we seeing a rising number of agricultural bans against SA produce?
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GUEST – Wandile Sihlobo - Chief economist at the Agricultural Business Chamber of SA With the ban on fresh produce imports from South Africa, implemented by Botswana in 2022, being extended until 2025, the EU says it is up to SA to show why the bloc, which is the country’s largest trading partner, should lift a decade-long ban on imports of SA’s re…
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Lokshin Auction, SA's first township-based auction house
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GUEST – Tsitso Setai, Lokshin Auctions founder – IN STUDIO Lokshin Auction is the first township-based auction house presenting accredited and professional auctions in townships of South Africa. Assets placed on sale are collected from government institutions, private sellers and estate administrators. Their auctions uniquely attract buyers to a co…
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JSE delivers stable performance amidst challenging macro-economic conditions.
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GUEST – Leila Fourie, the Group CEO at the JSE. The Johannesburg Stock Exchange (JSE) announced a stable set of results for the first half of its financial year, with a Net Profit After Tax of R493 million translating into headline earnings per share of 606 cents. The Group continues to be cash generative, with net cash generated from operations of…
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Why younger drivers are choosing higher car insurance excesses
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GUEST - Ernest North, co-founder of Naked Insurance Data from fully digital platform, Naked Insurance, shows that customers aged below 28 are likely to choose a higher excess on their car insurance policies than those aged 29 to 55. The reason for this seems to be that younger insurance customers opt for a larger excess to reduce their monthly prem…
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Why Botswana and Namibia imposed agricultural trade restrictions on SA
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GUEST – Thabile Nkunjana - Agricultural economist On July 19, Dr Mokgweetsi Masisi, the president of Botswana, wrote on X: “Our ban on imported vegetables was a powerful move to boost our local farmers & economy. This initiative empowers Batswana by promoting self-sufficiency & improving livelihoods.” The quote accompanied a short video celebrating…
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Too much month left at the end of the money for SA consumers - report
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GUEST – Andrew Fulton, Director at Eighty20. In recent reports, the financial strain on South Africans has been widely documented. Eighty20, South Africa’s leading consumer insights and data science firm, highlights the significant impact of formal debt instalments on South African consumers. The firm’s analysis specifically examines instalment-to-…
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President says work experience for young people should be scrapped -
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GUEST – Nkosinathi Mahlangu, Youth Employment Portfolio Head at Momentum Metropolitan President Cyril Ramaphosa says prior work experience should no longer be a barrier for young people to enter the labour market. Ramaphosa was speaking at the African National Congress' (ANC) National Executive Committee (NEC) lekgotla in Boksburg on Sunday. The an…
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The Department of Petroleum and Mineral Resources has published the official fuel price adjustments that will kick in on Wednesday, 7 August 2024. 95 Unleaded petrol will cost around R22.32 at the coast and R23.11 in Gauteng, where 93 Unleaded will sink to about R22.76. Gugu speaks to the Automobile Association's Layton Beard Kaya FM…
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DEALING WITH QUIET QUITTING IN A MODERN WORKPLACE
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The traditional notion of physical presence as a measure of productivity and commitment is being challenged. Instead, there is a shift towards valuing emotional engagement and connection with work, even if it means employees are not always physically present. However, an emerging trend in the modern workplace is the concept of quiet quitting; says …
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