I had the opportunity to conduct training with Community Centre were most participants were male. The session was so exciting when they share their experiences when it comes to their financial status, but the outstanding story was shared by Tshediso who mentioned how South African credit laws differs from Botswana were he grew up stating that the NCR and NCA doesn't necessarily protect the consumers but instead favours the Creditors who provide unsecured loans and revolving credit without proper affordability checks that leads consumers into indebtedness and unfair listing.