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When assessing a consumer for credit, credit providers will not only assess a consumer’s credit report and score, but will also look to understand their affordability. A good way to assess your affordability is to work out your debt to income ratio. In summary this is your monthly debt commitments versus your income, such as your salary as well as other ongoing income streams.
To work out your debt-to-income ratio, add up all your monthly payment commitments– school fees, rent, car repayments etc. Discretionary expenses like groceries and entertainment aren’t included in this calculation. Divide this by your net monthly salary to get your debt-to-income ratio.
Subscribers of TransUnion’s monthly and annual subscriptions, can make use of the Debt Analysis Tool available on the website, to quickly determine their debt to income ratio using data in their credit report. The result can then be compared against our ranges, being:
4522
Total Botswana (Pty) Ltd (TBO) was registered on 3 December 1980 to operate in Botswana as a fuel and lubricants marketing company. TBO is part of a global energy company and is a wholly owned subsidiary of Total South Africa (Pty) Ltd.
In May 1991, the company opened its depot facility in Gaborone and this depot has fuel storage facilities as well as lubricant storage. The depot has rail and road transport facilities to receive stock while all the deliveries are made via road transport. The depot building was upgraded in 2004, adding an additional floor.
The company’s regional office is located within the depot premises and operates in the retail and commercial sectors. TBO has about 12 service stations and two general dealer sites across the country. The company is in the process of rolling out the new T’air norms to enhance the brand within the country.
TBO has 13 staff members, of which 92% thereof are citizens of Botswana.
Managing Director: Diego Mtshali
Depot Manager: Norman Somolekae
Sales Manager: Kabo Semausu
SPAR LOWVELD DISTRIBUTION CENTRE
SPAR South Africa has six SPAR distribution centres and one Build it distribution centre. These are supported by a number of satellite warehousing hubs, which assist in reducing transport costs on certain routes.
SPAR, are a part of the community and community is like family. We strive to give you the highest quality produce, the freshest meats, and granny-approved baked goods, all at the right price, every day.
SPAR 6 distribution centres, servicing over 850 stores, allow us to offer our communities exactly what they need at just the right price.
From spar fresh produce to our meat and baked goods, spar constantly strive to source the best quality products at affordable prices. After all, you’re a part of our SPAR family and family deserve the best.
In the 1960’s with the emergence of grocery chains in South Africa, a group made up of 8 wholesalers were given exclusive rights to the SPAR name and brand in 1963, and serviced 500 small retailers.
Over time and through many mergers and takeovers, today the SPAR Group Ltd operates 6 distribution centres and 1 Build it distribution centre, supplying goods and services to over 1 000 SPAR stores across Southern Africa.
There’s something different about shopping at SPAR, that’s because we’ve created a culture of caring and community to ensure our customers have a consistently enjoyable shopping experience in a uniquely friendly and family orientated store. Nothing means more to us than our valued customers and we believe in going the extra mile to give them the best. From sourcing the finest products to providing willing and efficient staff who take a personal interest in our customers’ needs.
while striving to give our customers an enjoyable and memorable shopping experience, we also offer more than 1000 exclusive SPAR Brand products, available at stores nationwide.
Using only the best and freshest ingredients, we make premium quality products at very competitive prices. To ensure we keep ahead of brand standards, we have our products tested by an independent laboratory on a monthly basis. Because we are so sure of our quality, we offer customers a ‘Double Your Money Back Quality Guarantee’ on all our SPAR Brand products, including fresh produce purchased from us.
SPAR goal is to provide our customers with unwavering quality of the highest standards, complemented by excellent and personalised service in a warm and inviting, community environment.
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SPAR SOUTH RAND DISTRIBUTION CENTRE
SPAR South Africa has six SPAR distribution centres and one Build it distribution centre. These are supported by a number of satellite warehousing hubs, which assist in reducing transport costs on certain routes.
SPAR, are a part of the community and community is like family. We strive to give you the highest quality produce, the freshest meats, and granny-approved baked goods, all at the right price, every day.
SPAR 6 distribution centres, servicing over 850 stores, allow us to offer our communities exactly what they need at just the right price.
From spar fresh produce to our meat and baked goods, spar constantly strive to source the best quality products at affordable prices. After all, you’re a part of our SPAR family and family deserve the best.
In the 1960’s with the emergence of grocery chains in South Africa, a group made up of 8 wholesalers were given exclusive rights to the SPAR name and brand in 1963, and serviced 500 small retailers.
Over time and through many mergers and takeovers, today the SPAR Group Ltd operates 6 distribution centres and 1 Build it distribution centre, supplying goods and services to over 1 000 SPAR stores across Southern Africa.
There’s something different about shopping at SPAR, that’s because we’ve created a culture of caring and community to ensure our customers have a consistently enjoyable shopping experience in a uniquely friendly and family orientated store. Nothing means more to us than our valued customers and we believe in going the extra mile to give them the best. From sourcing the finest products to providing willing and efficient staff who take a personal interest in our customers’ needs.
while striving to give our customers an enjoyable and memorable shopping experience, we also offer more than 1000 exclusive SPAR Brand products, available at stores nationwide.
Using only the best and freshest ingredients, we make premium quality products at very competitive prices. To ensure we keep ahead of brand standards, we have our products tested by an independent laboratory on a monthly basis. Because we are so sure of our quality, we offer customers a ‘Double Your Money Back Quality Guarantee’ on all our SPAR Brand products, including fresh produce purchased from us.
SPAR goal is to provide our customers with unwavering quality of the highest standards, complemented by excellent and personalised service in a warm and inviting, community environment.
1459
SFT Energy (PTY) Ltd is an energy and resource distributor backed by reputable suppliers with superb sales and service. We commit to deliver quality products on time and build lasting relationships and to be a fuel partner of choice for all subsidiaries in Southern Africa – Growth through Technology.
We are a licenced wholesale petroleum company whom is focused on a credible customer base and a multi-faceted enterprise incorporating distribution and logistics. This bedrock on which the ethos of SFT Energy is built is based on the principle of Broad Based Black Economic Empowerment and complete customer satisfaction.
As an SMME SFT ENERGY embrace the following values:
We value our country’s main asset – Our People
We are customer orientated
We are focused on quality and safety
We value the aims and objective of our clients
We pride ourselves in being a competitive petroleum market leader
Our vision present and towards the future is to become a large and viable Broad Based Black Empowered Company providing petroleum products and energy resources to the transportation and mining industries for the entire Southern African Continent while employing skills transfer and BBBEE ethics.
In line with change and transformation, SFT Energy (PTY) Ltd, ultimately wishes to transform the company into a very successful empowerment business, so that skills and expertise is transferred to individuals who were previously disadvantaged and were not given lucrative employment opportunities.
To actively pursue the highest standards and goals in the petroleum industry while continually producing results that will always favour our customer’s aims and objectives while offering comprehensive, personalised, and costeffective services. We intend on being the service provider with committed and motivated employees providing efficient delivery methods, with the highest levels of safety and uncompromised quality as our approval.
SFT Energy (Pty) Ltd supports economic empowerment by developing and promoting government initiative programs and creating job opportunities for individuals from previously disadvantaged sectors of the community.
SFT ENERGY economic empowerment plan is based on the following deliverable:
Skills Development
Infrastructure development
Administrative Training
Economic Development
Profit Sharing
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Overberg Agri (Pty) Ltd.
HEAD OFFICE
11 Donkin Street, Caledon, 7230
PO Box 50, Caledon, 7230
Tel: 028 214 3800
Fax: 028 212 1759
Email: info@overbergagri.co.za
BREDASDORP
Tel: 028 424 1120
Email: info@overbergagri.co.za
MOORREESBURG
Tel: 022 433 8300
Email: info@overbergagri.co.za
OVERBERG AGRI DIVISIONS:
BREDASDORP
Tel: 028 424 1120
Email: info@overbergagri.co.za
MOORREESBURG
Tel: 022 433 8300
Email: info@overbergagri.co.za
MECHANISATION AND ENGINEERING SERVICES
GENERAL MANAGER
Horton Griffiths
hortong@overbergagri.co.za
Tel: 028 424 1120
Cell: 082 388 0040
CALEDON
Tel: 028 214 3856
BREDASDORP
Tel: 028 424 1120
RIVIERSONDEREND
Tel: 028 2611333
NAPIER
Tel: 028 423 3340
MOORREESBURG
Tel: 022 433 8367
RETAIL AND AGRI INPUTS
GENERAL MANAGER
Colin van Dalen
colinvd@overbergagri.co.za
Tel: 028 214 3821
Cell: 082 388 0565
ALEXANDRIA
10 Voortrekker Road, Alexandria
Tel: 074 1836 117 / 074 1282 138
UITENHAGE
85 Cuyler Street, Uitenhage
Tel: 081 4599 663
OUBOSRAND
Cnr R102 & R402, Kareedouw
Tel: 081 247 8082 / 081 281 1739
AGRICULTURAL STRUCTURAL SOLUTIONS
MANAGER
George Stevenson
georges@overbergagri.co.za
Cell: 076 365 9207
GRAIN AND AGRICULTURAL SERVICES
GENERAL MANAGER
Johan Lusse
johanl@overbergagri.co.za
Tel: 028 214 3813 / Cell: 083 310 2362
BREDASDORP
Tel: 028 424 1120
Email: info@overbergagri.co.za
RIETPOEL DEPOT
Tel: 028 261 1297
CALEDON DEPOT/SEED DEPOT
Tel: 028 214 3818
SEED
Tel: 028 214 3818
KLIPDALE DEPOT
siloklipdale@overbergagri.co.za
Tel: 028 452 1484
KRIGE DEPOT
silokrige@overbergagri.co.za
Tel: 028 214 1391
NAPIER DEPOT
silonapier@overbergagri.co.za
Tel: 028 423 3267
PROTEM DEPOT
siloprotem@overbergagri.co.za
Tel: 028 452 1683
OUPLAAS DEPOT
Cell: 062 728 1636
DEPOTS – SWARTLAND DISTRICT
BERGRIVER DEPOT
bergriver@overbergagri.co.za
Tel: 081 419 5024
KORINGBERG DEPOT
Tel: 022 423 8059
KOPERFONTEIN DEPOT
koperfontein@overbergagri.co.za
Cell: 082 875 8004
LELIEDAM DEPOT
leliedam@overbergagri.co.za
Tel: 022 433 2619
MORAVIA DEPOT
Tel: 022 433 8386
MOORREESBURG DEPOT
mrbsilo@overbergagri.co.za
Tel: 022 433 8330
MOORREESBURG SEED
Tel: 022 433 8359
GRAIN TRADING
GENERAL MANAGER GRAIN TRADING:
Pieter van der Westhuizen
pieterv@overbergagri.co.za,
Tel: 022 433 8379
Fax: 022 433 3510
Cell: 082 875 3922
GRAIN PROCURERS:
Swartland: Pieter Steyn
083 284 4293
pietersteyn@overbergagri.co.za
Overberg : Werner Visagie
064 423 4328
wernerv@overbergagri.co.za
IRRIGATION SOLUTIONS
IRRIGATION MANAGER:
Andre Lombard
andrel@overbergagri.co.za
Cell: 082 927 0039
STELLENBOSCH
Johan Koegelenberg
Email: johank@overbergagri.co.za
Cell: 079 471 8965
Gert van der Westhuizen
5 Tongaat Street, Papegaaiberg Industrial, Stellenbosch, 7600
Email: gertvdw@overbergagri.co.za
Tel: 021 883 9860
Cell: 078 283 936
CALEDON
Tian Lourens
Email: tianl@overbergagri.co.za
Cell: 074 668 0232
JH Potgieter
11 Donkin Street, Caledon, 7230
Email: johanneshp@overbergagri.co.za
Tel: 028 214 3865
Cell: 082 856 0845
MOORREESBURG
Gideon de Klerk
33 Long Street, Moorreesburg, 7310
Email: gideondk@overbergagri.co.zaTel: 022 433 1029
Cell: 073 229 9580
FINANCIAL SERVICES
CREDIT MANAGERS
CALEDON
Jacques Maritz
Email: jacquesm@overbergagri.co.za
Tel: 028 214 3800
BREDASDORP
Wouter De Wit
Email: wouterdw@overbergagri.co.za
Tel: 028 425 5813
MOORREESBURG
Wynand Heunis
Email: wynandh@overbergagri.co.za
Tel: 022 433 8300 / 8302
PAARL & EASTERN CAPE
Schalk de Jager
Email: schalkdj@overbergagri.co.za
Tel: 021 872 1455
AGPACK
GENERAL MANAGER
Louis Beukes
louis@agpack.co.za
Tel: 021-872 8651
Fax: 021 872 8687
Cell: 082 802 8844
Millenium Office Park, Unit 21, Plot 115, Kgale Mews, Gaborone,Botswana
Private Bag 305, Gaborone, Botswana
Tel: +267 390 3535
Fax: +267 3181124
www.transunionafrica.com